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Open Enrollment

Find the Best Solution During 2020 Open Enrollment with FCIS

We Can Help You...
  • Renew your current plan
  • Purchase an individual plan from a health insurer
  • Purchase an individual plan through Health Insurance Marketplace (Exchange). You may be eligible for help with your costs depending on income level through a tax subsidy.
  • Choose to not have insurance and pay the penalty

Know the Dates...

February 1  – November 30, 2019

Special Enrollment

November 1 - December 15, 2019

Open Enrollment for 2020

December 16, 2019 - November 30, 2020

Special Enrollment Period for 2020
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Open Enrollment

The Open Enrollment period for 2020 is quickly approaching.

If you haven’t enrolled in coverage by December 15, 2019, you generally can’t buy health coverage for 2021 until the next Open Enrollment period for coverage the following year unless you qualify for a special enrollment period.

If you’re enrolled in a 2019 Marketplace plan, your benefit year ends December 31, 2019. To continue health coverage in 2020, you can renew your current health plan or choose a new health plan through the Marketplace during the 2020 Open Enrollment period. FCIS is here to help!

Enrollment and Coverage Start Dates

During Open Enrollment, if you enroll:

  • Between the 1st and 15th days of the month, your coverage starts the first day of the next month.
  • Between the 16th and the last day of the month, your coverage starts the first day of the second following month. So if you enroll on January 16, your coverage starts on March 1.

During Special Enrollment, if you enroll:

  • Enroll by the last day of the month, your coverage starts the first day of the month, with a qualifying event.

Special Enrollment – through November 30, 2019 

FCIS can help evaluate your current situation and help determine your best options.


Our focus is not just on the bottom line. Our primary goal in working with clients is helping them find the products and strategies that fit their needs and offer the best solutions based on coverage and budget. Our approach is informative and our practice is service-oriented.

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