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Notice: During the government shutdown, if you have a 2025 health insurance plan, continue using your plan and providers. If you don’t have a plan, you can use this site to apply for and access coverage.
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Policy year

A 12-month period of benefits coverage under an individual health insurance plan. This 12-month period may not be the same as the calendar year. To find out when your policy year begins, you can check your policy documents or contact your insurer. (Note: In group health plans, this 12-month period is called a “plan year”).