True" open enrollment began on November 1st, 2021. This is the annual window to purchase health insurance on the Affordable Care Act's private health insurance marketplace, healthcare.gov. Open enrollment this year runs until January 15th, 2022, but a key deadline comes before then on December 15th, 2021. Consumers generally need to choose a plan by midnight of December 15, 2021, for their health plan to start on January 1st, 2022. Now, as we mentioned, open enrollment runs until January 15th, but any plan selections made before that date would be for coverage that starts on February 1st, 2022. Here's what happens behind the scenes in the meantime: there is a process called auto-renewals. So let's say you had a health plan in 2021 and you did nothing by December 15th. The marketplace is actually going to renew your plan for you. They will renew you into the exact same plan you had in 2021, if it's available, or the next closest plan to what you had. That coverage starts on January 1st, 2022. Let's say you don't like that plan or you want to switch. You actually do have until January 15th to make that switch, but pay attention to the start dates of the new plan. So let's recap: if you did nothing by December 15th, the marketplace auto-renews your plan, and that plan starts on January 1st. But if you then switch the plan before January 15th, the new plan you've selected starts on February 1st, 2022. Auto-renewals are a good stop-gap measure to make sure that people are getting a health plan that starts on January 1st, so there's no gap in coverage. But please, go in and shop even if you missed that December 15th deadline to pick a new plan yourself. Go in and shop before January...
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