Open Enrollment isn’t just a busy season — it’s the most important window of the year for engagement, retention, and growth. Knowing the timelines across markets keeps you compliant and positions you as a trusted advisor.
Key enrollment periods to track
ACA Marketplace
- Typical: Nov 1 – Jan 15
- State variations may apply
- Special Enrollment for qualifying life events
Medicare AEP
- Oct 15 – Dec 7
- Plan changes effective Jan 1
- Consult PDP & MA changes early
Employer Plans
- Usually a 2–4 week fall window
- Varies by employer
- Coordinate with HR calendars
Why timelines are strategic for agents
Retention
Proactive outreach before deadlines strengthens loyalty and reduces churn.
Cross-sell
Natural moment to discuss dental/vision, accident, CI, or GAP products.
Compliance
Staying ahead reduces errors, protects your reputation, and avoids rework.
Pipeline
Education campaigns attract prospects who feel overwhelmed by choices.
Best practices you can implement today
- Calendar discipline. Create recurring reminders for ACA, Medicare, and each group’s OE window.
- Segment your book. Tailor outreach by market (ACA vs. Medicare vs. small group) and by client need.
- Lead with education. Share short guides or checklists; keep it plain-English and decision-focused.
- Leverage partnerships. Work with agencies that provide marketing, compliance, and back-office support.
This article is part of the HealthPlanBrief.com Agent Education Series, powered by Premier Shield Benefits — equipping agents and brokers with tools, insights, and partnerships to thrive.
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