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Nothing is set in stone, including your insurance needs. So what happens if you’re enrolled in a health plan, but then realize your needs — or the needs of your family — have changed?
Here are a few things you need to know.
There are two periods of time when you can change your health insurance plan: open enrollment and special enrollment.
The way you originally enrolled in your health insurance plan will affect the way you change it.
If you enrolled through the Health Insurance Marketplace or directly with BCBSTX, you have an individual or family plan. Open enrollment for individual and family plans begins Nov. 1 every year.
If you’ve experienced a qualifying life event, you may be able to change your health insurance plan during the special enrollment period.
Originally published 6/8/2015; Revised 2018, 2023, 2025
Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation,
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