Individual and Family · Open Enrollment
🩺 Your Free Open Enrollment Check-Up
Your plan renews whether it still fits you or not. One short call shows you what changes in January, what help you qualify for, and whether a better fit is waiting. I'm Matthew Reilly, a licensed health insurance agent serving all of California.
📅 When is open enrollment, and which date matters most?Deadlines
Open enrollment for 2027 coverage runs November 1, 2026 through January 31, 2027.
- Enroll by December 31 for coverage that starts January 1.
- Enroll in January for coverage that starts February 1.
Most people want no gap and no surprises on January 1. Which date are you planning around?
📅 Pick a Time to Lock In Your January 1 Start🔄 What happens if I let my plan auto-renew?Renewal
If you do nothing, you are usually renewed into the same plan or the closest match available for the new year.
The plan name can stay the same while the network, the drug list, your costs and the financial help you receive change. Plans also leave some areas from one year to the next.
When did you last check what your plan becomes in January?
🔍 Pick a Time to See What Your Plan Becomes in January⏳ What if I miss open enrollment?Special Enrollment
After January 31, you can only enroll or switch if you have a qualifying life event, like losing other coverage, moving, getting married or having a baby. That is called a special enrollment period, and it has its own deadline.
Medi-Cal is open all year for those who qualify.
Without a qualifying event, most choices wait until next November. Why wait a year when one call settles it now?
✅ Pick a Time to Get It Done Before the Window Closes💰 Can I get help paying for coverage?Financial Help
Many Californians qualify for financial help that lowers their monthly premium, and some qualify for Medi-Cal. It is based on household size and expected income for the coming year.
Income changes, family changes and new rules can all move what you qualify for. See how financial help works →
Has anything changed in your household this year?
✅ Pick a Time to Find Out What You Qualify For💼 Self-employed? Have you checked a group plan?Business Owners
A lot of owners carry an individual or family plan and never compare it with group coverage. Small group plans are not tied to this open enrollment window, and many California small businesses can start one with a single W-2 employee besides the owner. Eligibility depends on the carrier and your setup.
For some owners, group is the stronger fit. For others, it isn't. Setting the two side by side is the only way to know.
📊 Request a Group Quote to Compare Side by Side