Frequently Asked Questions

Do I need to go through open enrollment if I just want to renew my plans?
Can you do it for me?

We recommend that employers take their annual open enrollment period to make necessary adjustments to their
employee benefits. Benefit information changes from year to year, and may require a change to your company’s
benefit strategy. If your company admin has decided to "plan map" they you will automatically be enrolled in the
same (or most similar) health plan as the one you originally selected. If they do not have this automated process
set up, you must re-select your health plan or you will be denied coverage.

Why would my insurance rates change?

There are many factors that contribute to rate changes, such as plan designs, legally mandated benefits, ACA
taxes, and more. The normal trend for medical insurance rates is an increase between 10-12% while dental and
vision rates trend around a 2-4% increase.

What happens if I miss the open enrollment window?

  • This actually depends on how your specific company has chosen to set up its open enrollment process. If you
    have selected an option that's referred to as "plan mapping," then the company will make automatic selections for
    employees who fail to alter their health plans during the open enrollment period. Without alteration on the part of
    the employee, the company will keep the individual in the same health plan or in the most similar health plan to
    the individual's original selection. If that employee had previously declined coverage, the company will
    automatically decline coverage once again.
  • However, if administrators at your company have not selected to "plan map," then any employee who does not
    actively make a selection during the open enrollment period will be
    declined coverage. This is even true for employees who had previously been enrolled in a health plan. These
    employees would need to re-select their health plan to continue using it. If the employee fails to do so during the
    open enrollment period, they can only enroll in health insurance if they experience a qualifying life event. It's
    possible that the employer could submit an "exception request" for an employee who missed open enrollment;
    this would be done through the employer's broker.

When will I receive my new ID cards?

Carriers send ID cards about 7-14 days after the application has been approved. When a group is going through
open enrollment, it is common to receive ID cards around 30 days after the effective date.

Which benefits programs do we choose during open enrollment?

This depends on how the administrator sets up other benefits packages. Sometimes the employers include other
benefits, such as commuter benefits or wellness programs, in the same period as health insurance open
enrollment. However, the main selection employees will be making is regarding health, dental, and vision
insurance plans and carriers.

Are there any benefits I can enroll in after the open enrollment period?

All benefit changes should be made during open enrollment. Changes outside of this period can only be
processed if you've experienced a sufficient qualifying life event.

I was hired recently and just enrolled. Do I still need to go through the open enrollment

Yes, if the effective date of the company's open enrollment is after the effective date of the new hire enrollment,
you will be required to enroll in coverage again.

If I make a selection and change my mind, can I make a change?

Yes, as long as the change is made before the last date of the open enrollment period, or during the period after a qualifying life event.

What's the difference between a co-pay and deductible?

A copay is the amount paid out-of-pocket at a doctor's appointment or when purchasing a prescription. A
deductible is the collective amount of money that is paid out-of-pocket before health insurance carriers begin to
cover medical expenses. The deductible is typically calculated on an annual basis, either according to the
calendar year or the plan year. It's important to verify which time frame your deductible adheres to before making

Can I add or remove a dependent to my plan during the open enrollment period?

Yes, Open Enrollment gives you the freedom to make any changes to your coverage such as adding or removing dependents.

If I'm on maternity or paternity leave, do I still need to make selections during open enrollment?

Yes, it is recommended that all employees make their plan selection during open enrollment, even if you're on
paid time off, vacation, or any kind of parental leave. If an employee is unable to make the selection at this time,
the administrator should work with their broker or carrier to determine their options for enrollment.

What is a qualifying life event?

A qualifying life event (QLE) is a significant lifestyle change that is either unexpected or unavoidable. In the case
of a QLE, employees are able to make changes to their insurance plans outside of the open enrollment cycle.
Examples of QLEs are having a baby or divorcing a spouse.

Express Insurance Market
5353 W. Dartmouth Ave. Suite 307
Denver, CO 80227 Directions
(303) 990-5051

Disclaimer: This website is not the Health Insurance Marketplace website.