Phone Number: 850-747-0288

Phone Number:
850-747-0288

Open Enrollment

Open Enrollment

At Nichols & Associates, we understand that health insurance can feel confusing. That’s why we’re here — to take the mystery out of the process and give you clear, straightforward answers.

Our trained team of insurance specialists helps individuals, families, and businesses find coverage that fits their needs and their budget. Whether you want us to review your current plan or recommend new options, we’ll guide you toward the coverage that supports your goals, lifestyle, and peace of mind.

As an authorized Florida Blue agency, we specialize in:

  • Health Insurance
  • Medicare Plans
  • Dental & Vision Coverage
  • Life Insurance
  • Disability Insurance

With convenient offices in Panama City and Port St. Joe, we proudly serve the Florida Panhandle — including Bay County, Gulf County, and beyond.

At Nichols & Associates, insurance isn’t just about policies — it’s about protecting what matters most.

Call us today or visit our offices to schedule your personalized review.

    We take your privacy seriously and employ measures to protect your personal information. To learn more about how we collect, use, and safeguard your data, please read our Privacy Policy.

    When is Medicare Open Enrollment?

    Medicare’s Annual Enrollment Period (AEP) runs October 15 – December 7.

    What changes can I make during Medicare Open Enrollment?

    You can:

    • Switch from Original Medicare to a Medicare Advantage Plan (Part C).
    • Switch from Medicare Advantage back to Original Medicare.
    • Change Medicare Advantage or Part D (prescription drug) plans.
    Can I change Medicare Supplement (Medigap) plans during Open Enrollment?

    Medigap doesn’t follow the same rules as AEP — switching may require medical underwriting. It’s best to review options with an agent.

    What if I miss Medicare Open Enrollment?

    You may have to wait until the next enrollment period unless you qualify for a Special Enrollment Period.

    Why should I review my Medicare coverage each year?

    Prescription drug costs, provider networks, and plan benefits change annually — what worked last year may not be the best fit this year.

    At what age can I enroll in Medicare?

    Most people become eligible for Medicare when they turn 65, even if they’re still working.

    Can I get Medicare before 65?

    Yes, you may qualify earlier if you:

    • Have received Social Security Disability benefits for 24 months.
    • Have End-Stage Renal Disease (ESRD).
    • Have Amyotrophic Lateral Sclerosis (ALS).
    Do I have to sign up for Medicare at 65?

    If you’re already receiving Social Security benefits, you’ll be enrolled automatically.

    If not, you must sign up during your Initial Enrollment Period (IEP) — a 7-month window:

    • Starts 3 months before your 65th birthday month.
    • Includes your birthday month.
    • Ends 3 months after.
    What happens if I delay enrolling after 65?

    You could face late enrollment penalties, unless you have qualifying coverage (like employer health insurance).

    When is Open Enrollment for health insurance?

    Open Enrollment for Affordable Care Act (ACA) marketplace health plans typically runs November 1 – January 15 (dates vary by state).

    What happens if I miss Open Enrollment?

    You may only enroll if you qualify for a Special Enrollment Period (life events like moving, losing coverage, or getting married)

    Can I change my health insurance plan during Open Enrollment?

    Yes, you can switch plans, update coverage, or add family members during this window.

    How do I know which plan is right for me?

    Compare monthly premiums, deductibles, copays, and provider networks. A licensed local agent (like Nichols & Associates) can help simplify the process.

    Do I have to re-enroll every year?

    If you don’t make changes, your current plan may auto-renew — but it’s smart to review because benefits and costs often change yearly.