Free Guide
Open Enrollment Checklist
Whether you're switching to DPC + health sharing or just reviewing your current plan, use this checklist to make the most of open enrollment.
Key Dates
ACA Open Enrollment
November 1 – January 15 (most states)
Employer Open Enrollment
Varies by employer (typically Oct–Nov)
Health Sharing
No enrollment period — join anytime
DPC
No enrollment period — join anytime
If You're Switching to DPC + Health Sharing
8 weeks before
Take the Kailo savings assessment
Research DPC practices in your area
Compare health sharing plans
6 weeks before
Schedule a visit with your top DPC choice
Apply to your chosen health sharing plan
Open an HSA (if you don't have one)
4 weeks before
Confirm DPC membership start date
Confirm health sharing effective date
Set up HSA auto-contributions
2 weeks before
Request medical records from current doctor
Cancel old insurance (don't cancel early!)
Set up auto-pay for DPC + health sharing
Switch day
Old insurance ends, new stack begins
Schedule first DPC appointment
Download your health sharing member card
Save your member cards and provider info in Kailo
If You're Staying on Insurance
Review your current plan's deductible, copays, and out-of-pocket max
Check if your doctors are still in-network
Compare your current cost to the DPC + health sharing alternative
Consider adding a DPC membership alongside your insurance for better primary care
Max out your HSA contributions if you have one
Review prescription costs — DPC practices often offer medications at wholesale
Special Enrollment Triggers
You can switch insurance outside of open enrollment if you have a qualifying life event: job loss, marriage, divorce, having a baby, moving to a new state, losing coverage, or aging off a parent's plan. Health sharing plans have no enrollment period restrictions.
Not Sure What to Do This Open Enrollment?
Our AI will analyze your situation and tell you exactly what to do.
Dates and eligibility rules may vary by state. Always verify with healthcare.gov or your state marketplace.