One minute, straight answer
Does your plan deserve a re-shop this fall?
Five questions about your setup and your September mail. At the end: a plain verdict and the exact steps that apply to you, nothing generic. Open enrollment runs October 15 to December 7.
What’s your current setup?
This decides which questions matter for you.
Your ANOC: did the money numbers move?
The Annual Notice of Change your plan mailed in September: premium, deductible, or out-of-pocket maximum noticeably up?
Your prescriptions: any changes in the fine print?
Drugs moving to higher tiers, new restrictions, or your pharmacy losing “preferred” status.
Your doctors: confirmed for next year?
Advantage networks reset in January. “Confirmed” means the office said so, not the directory.
Do you take any expensive brand-name drugs?
Ozempic, Wegovy, Trelegy, Xtandi, Ibrance, or other costly brands: 15 drugs get negotiated prices in January, and plans are reshuffling around them.