Open Enrollment Period
The annual period when people can enroll in or make changes to their insurance coverage. Open enrollment occurs yearly in from November–December. Outside of open enrollment, individuals may be eligible to enroll in a health insurance plan during a Special Enrollment Period if they have a qualifying life event (QLE, see definition below).
The most you pay before your health plan begins to pay 100 percent of the cost for in-network services. This limit never includes your premium or care that your plan doesn't cover. Health plans count all in-network copayments, deductibles, and coinsurance payments to this limit.