Procrastinator’s Guide: Picking a Health Plan in the Final Weeks of Open Enrollment

epiainsurance
10 hours ago
2 min read

The holidays are here — and if you’ve been putting off choosing your health insurance, you’re not alone. Between family gatherings, travel plans, and year-end chaos, it’s easy to let enrollment slip to the bottom of your to-do list.

The good news? There’s still time — and EPIA Insurance Agency Inc. can help you make the right decision quickly and confidently.

🎁 Step 1: Know Your Deadline

For most Californians, Open Enrollment through Covered California ends on January 31st.But to have your new plan start on January 1st, you need to enroll by December 31st.

⏰ Don’t wait until the last minute — many people miss early deadlines simply because they think “there’s more time.”

At EPIA, we’ll help you review your options and submit everything on time so your coverage starts right when you need it.

🕊 Step 2: Don’t Overthink — Start with What Matters

If you’re feeling overwhelmed by plan types and costs, here’s the truth: you don’t have to figure it out alone.A few key questions can simplify everything:

What doctors or clinics do you want to keep?
How often do you visit a provider?
Do you take any regular prescriptions?

Your answers help us filter hundreds of options down to the ones that actually fit your lifestyle and budget.

🎄 Step 3: Check for Financial Help

Even if you’ve checked before, it’s worth looking again — income-based assistance changes every year.You may now qualify for premium subsidies or cost-sharing reductions through Covered California.

At EPIA, we’ll calculate your savings and ensure you don’t miss out on help you deserve.

✨ Step 4: Avoid the Common “Holiday Rush” Mistakes

Every year, we see last-minute enrollments where people:

Forget to cancel old plans
Miss premium payment deadlines
Choose a plan that doesn’t cover their preferred doctors

A quick chat with an EPIA licensed advisor helps you skip the stress and start the new year fully covered.

🎁 Step 5: Let EPIA Handle the Details

You enjoy your holidays — we’ll take care of the forms.Our advisors handle everything from eligibility checks to plan comparisons and enrollment submission.

All we need is a quick call or email from you — and we’ll do the rest.

Because peace of mind is the best gift you can give yourself this season.