Open Enrollment Health Plan Comparison Tool
Plan A
Plan B
About the Open Enrollment Comparison Tool
Open Enrollment is the annual window when you can change your health insurance plan. Choosing the right plan requires modeling your expected healthcare usage — not just comparing monthly premiums. A low-premium, high-deductible plan saves money when you are healthy, but can cost much more if you face significant medical needs. This tool compares two plans across three usage scenarios: low use ($2,000 in medical expenses, typical for a healthy year), medium use ($8,000, representing a moderate medical event), and high use ($20,000, representing a serious illness or injury). By seeing costs across all three scenarios, you can make an informed decision based on your risk tolerance and anticipated healthcare needs for the coming year.
Frequently Asked Questions
When is Open Enrollment for 2026 health plans?
For ACA Marketplace plans, Open Enrollment typically runs November 1 through January 15. Employer plan enrollment windows vary by company. Medicare Open Enrollment runs October 15 through December 7.
What if I miss Open Enrollment?
You must wait until the next Open Enrollment period unless you qualify for a Special Enrollment Period triggered by a qualifying life event such as job loss, marriage, birth of a child, or moving to a new coverage area.
Should I always choose the lowest premium plan?
Not necessarily. Lower premium plans typically have higher deductibles and out-of-pocket maximums. If you anticipate medical expenses, a higher-premium plan with lower cost-sharing may result in lower total annual costs.
What is the metal tier system on the Marketplace?
Marketplace plans are categorized as Bronze (lowest premiums, highest cost-sharing), Silver, Gold, and Platinum (highest premiums, lowest cost-sharing). Cost-sharing reductions are only available on Silver plans.
Can I change plans outside of Open Enrollment?
Only if you have a qualifying Special Enrollment Period event. Examples include losing other coverage, getting married or divorced, having a baby, or moving to a new area where your current plan is not available.
Disclaimer: Results are estimates using simplified 20% coinsurance. Actual plan costs vary. Consult a licensed insurance professional for actual quotes.