What is Annual Benefits Open Enrollment and when is it?

Annual Benefit Open Enrollment is the one time of year when Iowans can enroll and/or make changes to individual medical plan through the Health Insurance Marketplace. This is also the time of year when you need to review and update your income information on the Marketplace application - even if the amount will not change for the upcoming year.

Annual Benefits Open Enrollment begins on November 1 each year and must be completed by December 15.

How does the Open Enrollment process work?

Income will be verified whether it has changed over the course of the year or not. The process will also inquire whether a subsidy is being utlilized and confirm household demographics are current. Once this step is verified and information reflects the coming year, the available plans can be reviewed to determine if additional changes need to be made.

What are my options for Open Enrollment?


You must log into www.healthcare.gov and verify your income even if there are no changes for the next year and it must be completed no later than 12/15 if you are utilizing a subsidy. Review available plans to see if any changes need to be made based on your current situation.

Personal Consultation (Phone/Zoom Available)

Income and household information must be sent at least 48 hours prior to the meeting. During the consult, income will be verified if a subsidy is being used and then plans available for the next year will be reviewed to see what the best fit is. If changes to the plan are needed, they will be processed within two business days or by December 15, whichever is sooner. Confirmation will be emailed or mailed, as requested.


Frequently Asked Questions

Q:  How can I reach out if I have questions about my Marketplace plan through TrueNorth?

A:  The phone number to reach our Individual Under 65 Marketplace team is (319) 739-1197. Effective October 1, 2022, all calls will be recorded due to governmental regulations. You can also email the team at IndividualBenefits@truenorthcompanies.com.

Q:  How do I access the virtual meeting in Zoom?

A:  You can click this link to access meeting instructions.

Q:  What If I am a Truck Driver?

A:  We have solutions specifically for our drivers on our TrueChoices Platform or call us at 833-243-8647.

Q:  What should I do if I do not have access to a computer to submit my documents online?

A:  You can call us at (319) 739-1197 to request that we mail a physical copy of the forms to you.

Q:  How do I update my income with the Marketplace?

A:  Visit www.healthcare.gov or call their toll free number 800-318-2596.

Source: Marketplace FAQ’s https://www.healthcare.gov/get-answers/