Open enrollment works by allowing you to get, switch, or end your health insurance coverage — typically via an online portal or forms provided by your insurer or employer. Open enrollment can typically be used in two ways, depending on if you already have health insurance: If you don't already have health insurance, you can choose to get health insurance during the open enrollment period. If you already have health insurance, you can choose to change your plan or end your coverage during open enrollment. If you end your coverage and plan to get a new policy through a different insurer, you'll need to sign up for the new coverage during your new insurer's open enrollment period or after a qualifying life event. Note that open enrollment period dates may differ by insurer.