priorityhealth.com

{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"When is Open Enrollment for 2026 health plans and what are the key deadlines?","acceptedAnswer":{"@type":"Answer","text":"<p>Open Enrollment for Individual &amp; family plans - also known as the Affordable Care Act (ACA), Obamacare or the Health Insurance Marketplace<sup>® </sup>- runs from <strong>Nov. 1, 2025 to Jan. 15, 2026</strong> in most states.&nbsp;</p><ul><li>If you enroll between Nov. 1 and Dec. 15, your coverage will start Jan. 1</li><li>If you enroll between Dec. 16 and Jan. 15, your coverage will start Feb. 1</li></ul>"}},{"@type":"Question","name":"What’s the Medicare Annual Enrollment (AEP) window?","acceptedAnswer":{"@type":"Answer","text":"<p>Every year, people with Medicare can change <strong>Medicare Advantage (Part C)</strong> or <strong>Part D drug</strong> plans <strong>Oct 15–Dec 7</strong> for the following year. Changes generally take effect <strong>Jan 1.</strong></p>"}},{"@type":"Question","name":"Is there another Medicare change window after January 1?","acceptedAnswer":{"@type":"Answer","text":"<p>Yes. The <strong>Medicare Advantage Open Enrollment Period (MA-OEP)</strong> runs <strong>Jan 1–Mar 31</strong>. If you’re in an MA plan, you can switch to a different MA plan or return to Original Medicare and join a Part D plan; new coverage begins the first day of the month after your request.&nbsp;</p>"}},{"@type":"Question","name":"How do I choose the right health plan (HMO vs PPO vs EPO vs HDHP/HSA)?","acceptedAnswer":{"@type":"Answer","text":"<p>Think about your <strong>provider network needs</strong>, <strong>prescriptions</strong> and how much care you use.</p><ul><li><strong>HMO</strong>: lower premiums, <strong>in-network</strong> only (referrals often required).</li><li><strong>PPO</strong>: broader access, <strong>out-of-network</strong> coverage at higher cost.</li><li><strong>EPO</strong>: HMO-like (no out-of-network except emergencies), usually no referrals.</li></ul>"}},{"@type":"Question","name":"Deductible vs copay vs coinsurance vs out-of-pocket max—what do these mean?","acceptedAnswer":{"@type":"Answer","text":"<ul><li><strong>Deductible</strong>: what you pay before the plan starts paying (except many <strong>$0 preventive</strong> services).</li><li><strong>Copay</strong>: a flat fee per service or drug.</li><li><strong>Coinsurance</strong>: a percentage you pay after the deductible.</li><li><strong>Out-of-Pocket Maximum (MOOP)</strong>: the cap on your spending in a year for in-network covered services; the plan pays <strong>100%</strong> after you hit it.</li></ul>"}},{"@type":"Question","name":"What are “metal tiers” (Bronze, Silver, Gold, Platinum)?","acceptedAnswer":{"@type":"Answer","text":"<p>Metal tiers reflect how you and your plan share costs, not the quality of care.</p><ul><li>Bronze generally means<strong> lower monthly premiums</strong> but <strong>higher out-of-pocket costs</strong> when you receive care.</li><li>Silver generally means <strong>moderate monthly premium</strong>s and <strong>moderate out-of-pocket costs</strong> when you receive care.</li><li>Gold generally means <strong>higher monthly premiums</strong> but <strong>lower out-of-pocket costs</strong> when you receive care.</li></ul>"}}]}

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