Many individuals have received notice that their health insurance rates are going up on January 1, 2016.

Although health insurance Open Enrollment is through the end of January, in order to avoid automatically paying your renewal rate, you must make a change by December 15, 2015.

What happens if I make a change to my policy between December 16, 2015 and January 31, 2016?

The chart below displays the effective date for policy changes made within various time frames. Please note, until a change is made you will automatically be charged your increased rate amount. For example, if you don’t make a change to your policy until December 16, 2015 (and before January 16, 2016), you will pay the automatic renewal rate for the month of January.  If you don’t make a change until January 31,2016 you will pay your automatic renewal rate for three months (January-March).

If you do not make to your health insurance policy by January 31, 2016 you will be locked into the automatic renewal rate through the end of 2016.

*Please note, any changes made to Medicare supplement plans must be made by December 7, 2015 will take effect January 1, 2016.