04/08/2026
Miss Open Enrollment?
Not all plans are created equal—especially off-exchange, non-ACA options outside Open Enrollment.
That “low premium” plan might not be telling you the whole story.
Too many people choose coverage based on price—without fully understanding what’s actually covered (or not).
Before you enroll, ask:
• What kind of plan is it—and what are the limits?
• Any pre-existing condition exclusions?
• Caps on hospital stays, visits, labs, or medications?
• Preventive care limits? (A $750 colonoscopy benefit vs. a $5–6K reality.)
• What’s your true financial exposure? (Premium + deductible + co-insurance, copay, max out-of-pocket… plus exclusions.)
• Are there annual or lifetime caps?
The goal isn’t just saving money. It’s making sure you’re protected when it matters most.
If you’re not 100% confident in your plan, take a closer look.
We’ll help you break it all down.
Enroll any time of year as an individual with Planstin Membership.