Need to Know: Your Guide to Understanding Open Enrollment

Need to Know: Your Guide to Understanding Open Enrollment

Ignore the naysayers. Millennials do want health insurance.

We value being healthy. We hit the gym and eat well. So it’s not that we don’t care about health care. It’s just that understanding the ins and outs can be tricky.

We hear you, gang. That’s why we teamed up with the folks at the UPMC Health Plan to answer some essential questions about getting health insurance during Open Enrollment.

What is Open Enrollment?

This is the time of year when you’re able to start, stop, or change your health insurance plan.


How does health insurance work?

If you have insurance for your car or house you already sort of know how health insurance works. Each month you pay a premium to your health insurance company or health plan. Then, when you need care (like a trip to the doctors or medication), your insurance company helps you cover the cost. So you might pay $20 for a doctor’s visit that actually costs $100. Your health plan picks up the other $80.

Why get covered?

There are a lot of advantages to having health care. Sure, we want to be in tip-top shape at all times. But life is unpredictable. If you have health care, it’s a little more predictable. You can rest easy knowing you have the coverage for the care you need.

On the other hand, if you don’t have insurance, getting the care you need to get and stay healthy can be a huge burden. In addition to peace of mind, protection against expensive medical costs is a core advantage of insurance.

Plus, with the UPMC Health Plan, you’ll have access to top-ranked care, award-winning customer service from a team of Health Care Concierges, health care coordination services, and more. You’ll be able to stay on a healthy path and catch a problem early – when they’re easier to treat.

What are my options?

Honestly, the answer to this question is a little bit different for everyone. And ultimately, it’s up to you to do your research and make an educated decision about your coverage. But generally speaking, your options will depend on several things, like age, state of residence, income level, employment status, and other personal factors. Your options could include:

  1. Staying on your parent’s plan until you are 26 years old
  2. Job-based insurance coverage, if your employer provides it to you
  3. Student health insurance, depending on your school
  4. Purchasing your own plan.

For more information visit UPMC Health Plan’s Marketplace to explore your coverage options.