FINAL DAY: Open Enrollment Ends Tonight | Act Now
Open Enrollment ends tonight at 11:59 PM. If you don't enroll or update your plan by midnight, you're locked out until next year. Don't let auto-enrollment cost you thousands—compare all options before the deadline.
Open Enrollment
Final Day of Open Enrollment: What to Do Before Midnight
What happens if you miss the deadline
No coverage
- No health insurance for the year
- Pay full price for all medical care
- Can't enroll again until next Open Enrollment
- No protection from surprise medical bills
The auto-enrollment trap
- Stuck in your current plan at higher new-year rates
- Miss cheaper plan options
- Your doctors may no longer be in-network
- Could overpay thousands annually
If you don't have coverage: do this now
- Contact us immediately. We'll pull every available plan in your area, calculate your tax credit if you qualify, and show you the options side-by-side in minutes.
- Compare plans fast. We focus on premium, deductible, out-of-pocket maximum, and whether your doctors are in-network. Having coverage beats having none — we'll help you decide quickly.
- Enroll before midnight. We handle the enrollment and make sure it's completed before 11:59 PM. You can change plans next year, but you can't go back and enroll once the deadline passes.
If you have Marketplace coverage: review before auto-enrollment locks you in
- Review your current plan. Plans change every year — networks shift, premiums adjust, benefits get redesigned. We'll check whether yours is still the best option.
- Update your income for accurate subsidies. If your income changed, this recalculates your tax credit and your true monthly cost. We'll update it and compare all available plans at your actual pricing.
- Compare on total annual cost — not just premium. We factor deductible, copays, out-of-pocket max, and expected usage, and verify your doctors and prescriptions are still covered.
- Actively select your plan. Auto-enrollment is built for convenience, not savings. Choosing on purpose can save you hundreds or thousands.
If you're paying full price: consider a private PPO
If you don't qualify for subsidies or your income is above 400% of the federal poverty level, you're not required to use a Marketplace plan.
- Private PPOs often cost less for those paying full premium — better value with broader networks
- Year-round enrollment — private plans aren't limited to the Open Enrollment window
- Nationwide networks — coast-to-coast access, no HMO restrictions
- Direct specialist access — no primary-care gatekeepers
If Marketplace premiums jumped and you're getting minimal or no tax credit, we'll show you private options before the deadline.
Why the deadline matters
Once Open Enrollment closes at 11:59 PM, you're locked out until the next window unless you have a qualifying life event — losing other coverage, getting married, or having a baby.
Medical costs don't care that you missed the deadline. An ER visit can cost thousands; prescriptions, appointments, specialist visits, and lab work all come out of pocket without insurance.
Don't wait — let's get you covered
We'll compare your options and walk you through enrollment in minutes, before the deadline.
Get Free Quotes Now Book a CallFrequently asked questions
What if I miss the deadline?
You're locked out until the next Open Enrollment unless you qualify for a Special Enrollment Period — losing coverage, marriage, birth, adoption, or a move to a new state.
Can you still help me enroll today?
Yes — contact us immediately. We'll walk you through your options and complete enrollment in minutes before the deadline.
Are private PPOs cheaper than Marketplace plans?
If you don't qualify for subsidies, private PPOs can offer lower total costs with broader networks — especially for healthy applicants. We compare both for you.
For education only; eligibility and benefits vary by carrier and state. Always review official plan documents. RKA Insurance Advisors is an independent, licensed health insurance brokerage (NPN 19540130). We do not offer Medicare. Call (561) 806-9913.
