12/25/2025
PSA: If you think you missed open enrollment, STOP and read this.
Every January, my phone starts ringing off the hook with panic calls:
"Mindy, I missed the deadline. Am I screwed until next year?"
Short answer: NO.
Long answer: It depends, and that's why you need to call me TODAY.
Here's what most people don't know about health insurance enrollment:
✅ Special Enrollment Periods exist for qualifying life events (job loss, marriage, birth, relocation, loss of coverage, etc.)
✅ If you qualify, you can STILL enroll by January 15th with coverage starting February 1st
✅ There are multiple pathways to coverage even outside traditional open enrollment
But here's the catch: these windows are narrow, the rules are specific, and if you don't know what you're doing, you WILL miss your opportunity.
The deadline is January 15th. That's not a lot of time.
This is not the time to Google your way through it. This is not the time to "think about it for a few days." This is the time to pick up the phone.
I've been doing this for years. I know the exceptions. I know the loopholes. I know which questions to ask to determine if you qualify for special enrollment. I know how to navigate the system so you don't end up uninsured for another year.
You didn't screw up. You just didn't know. Now you do.
The people who stay uninsured aren't the ones who missed deadlines—they're the ones who assumed it was too late and never made the call.
Don't be that person.
If you're reading this and you don't have health insurance, or you're worried you missed your window, pick up the phone TODAY. Let me figure out your options.
Worst case? I tell you exactly when you can enroll and what to do next.
Best case? You're covered by February 1st and you can stop stressing about what happens if you get sick or injured.
But you need to act NOW. January 15th is the deadline.
📞 Call me: 352-616-6566
I'm Mindy Fellman. This is literally what I do. Let me help.
