Georgia Navigator Practice Exam

What does an annual Open Enrollment Period allow an individual to do?

1. Switch to a marketplace not approved by the government

2. Enroll in a qualified health plan

3. Change their pre-existing conditions

4. Reduce their overall insurance costs permanently

The correct answer is: Enroll in a qualified health plan

An annual Open Enrollment Period is specifically designed to allow individuals to enroll in a qualified health plan. During this period, which typically occurs once a year, people can apply for health insurance coverage under the Affordable Care Act (ACA). This is a critical time because outside of this designated period, individuals generally cannot enroll or switch health plans unless they qualify for a Special Enrollment Period due to life events such as marriage, birth of a child, or loss of other coverage. Being able to enroll in a qualified health plan means that individuals can select the insurance policy that best fits their needs without being limited by factors such as pre-existing conditions, which cannot be used to deny coverage or charge higher premiums. This period provides a significant advantage as it grants access to health insurance options that may not be available at other times, ensuring that individuals can get the coverage they need.