The plan you have today was chosen with whatever information you had then. This module rebuilds your decision on five numbers, one calendar, and a quick habit check — so next year’s choice is based on your actual medical life, not autopilot.
Open Enrollment: The One Window a Year
November to January for most plans. Miss it and you are locked in until next year. Learn how to prepare in two minutes so you choose with evidence, not autopilot.
The Five Vital Numbers
Premium, deductible, out-of-pocket max, copay structure, formulary tier. The cheapest premium is rarely the lowest cost — here is how to compare plans the way they actually affect your wallet.
The Sixty-Day Window
A job loss, a marriage, a new baby — each opens a Special Enrollment Period. Miss the 60-day clock and you wait until next open enrollment. Here is how to use the window right.
Next: Module 5
Ready for Module 5 — Your Safety Net? You’ll build the escalation plan that protects your family when something goes wrong.
Start Module 5 →