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Open enrollment (OE)

Open enrollment (OE) is the period of time each year when employees can waive or enroll in coverage, change plans, and add or remove dependents. The only times you can make these changes are at open enrollment or if you experience a qualifying life event, so choose your plans carefully.

Check out our instructions to enroll in or waive coverage if you need help selecting your coverage.

Employers & admins: if your benefits are up for renewal, head to our renewal timeline for what to expect. For more guidance on preparing for renewal, check out our blog. If you want to start offering commuter benefits or new ancillary coverage (dental, vision, life, or disability), you can set these up in Gusto anytime. 

What happens at renewal & open enrollment

  • Medical insurance carriers update their plans and premiums every year. If you have dental, vision, life, or disability coverage, the plans often stay the same, but the rates might change. 
  • Employers choose what plans to offer at open enrollment. You can renew the default plans or change the carrier, the plans you offer, the company contribution, or the new hire waiting period. 
  • Employees have a week of open enrollment to enroll in or waive coverage, keep or change your plan, or add or remove dependents.

Find your renewal date

Not sure when your company’s benefits renew? If Gusto’s your broker, follow the steps below to find your renewal date. 

Employers & admins 

  1. Sign in to your admin account. 
  2. Go to the Benefits section. 
  3. Scroll to “Active benefits.” The plans listed under “Managed by Gusto” are the plans that we’ll manage your renewal and open enrollment for.
    • If you have multiple lines of coverage and your company set them up at different times, they may have different renewal dates. We’ll ask you at your next renewal if you want to align the renewal dates.
  4. On the Medical tile, click View.
  5. Look at the “Effective dates” toward the right of your screen. 
    • The first date is the day that this coverage period began. 
    • The second date is the last day of coverage for this period. The day after that is your renewal date, which is when renewal/open enrollment changes will be effective. Open enrollment starts sometime prior to this date so we can process your changes with the carriers. 

Check out the renewal timeline to learn more about what to expect in the leadup to open enrollment. Gusto emails benefit admins when it’s time to sign in and decide which plans to offer your team at open enrollment. 

Employees

If you’re not enrolled in coverage or another broker manages your company’s benefits, ask your employer for your company’s next renewal date. 

If you’re enrolled in your company’s benefits:

  1. Sign in to Gusto.
  2. Go to the Benefits section. 
  3. On the “Medical” tile, click View.
  4. Look at the “Coverage Period.” 
    • The first date is the day that this coverage began. 
    • The second date is the last day of coverage for this plan. The day after that is your renewal date, when changes you make at open enrollment will be effective. Open enrollment starts sometime prior to this date so we can process your changes with the carriers. 

Gusto emails all eligible employees when it’s time to sign in and make your selections in Gusto.

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