For many companies, open enrollment is the time of year when employees can choose or update their benefits for the upcoming year. While most employers set this period in the fall, typically between October and December for coverage starting January 1, open enrollment is not the same for every business. Understanding how your timeline works and how to prepare your employees for it is essential to a smooth benefits process.
Open Enrollment Varies by Employer
Unlike the enrollment period for individual, state-mandated health plans, which is set by the state or federal government, the timing for employer-sponsored plans is determined by the employer. That means your enrollment period may differ from other companies in your industry or even from year to year.
Small Group Plans in California
In California, small group plans (those with fewer than 100 employees) can technically begin at any time during the year. The timing often depends on when your policy was first established. This flexibility can be an advantage, but it also means you need to plan ahead to ensure your employees are ready to make informed benefits decisions when the window opens.
Special Enrollment Opportunities
Some carriers offer a Special Enrollment Period (SEP) each year, often in November or December, that allows small businesses to start group coverage without meeting minimum participation requirements. This can be especially beneficial for businesses with just a few employees who want to provide benefits without worrying about meeting participation thresholds.
Planning for a Successful Enrollment Season
Clear communication and preparation are the keys to making open enrollment run smoothly. Employers should provide their teams with enough information and lead time to review their options, ask questions, and make confident choices.
At Bay Area Health Insurance, we help employers set and manage their open enrollment process so it works efficiently for everyone involved. If you need guidance on structuring your enrollment period or supporting your employees as the deadline approaches, call us and we’ll be happy to help.
