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The open enrollment season is about to begin for Americans who want to get or change Affordable Care Law coverage, commonly known as “ObamaCare.”

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Beginning Nov. 1 through Jan. 15, consumers can select plans on HealthCare.gov for 2023. To ensure coverage is in effect at the start of the year, buyers must enroll or renew their insurance by December 15th. For those who signed up for coverage between December 16 and January 15, coverage will not take effect until February.

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Anyone who misses the January 15 deadline can only sign up for the plan during the special enrollment period offered in the event of loss of other insurance coverage, moving, marriage or childbirth.

However, it’s worth noting that some states offer public health insurance markets outside of the federal site and have the ability to extend open enrollment periods. For example, states such as California, Colorado, and Washington, DC are constantly renewing open enrollment.

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Whether a person is looking for coverage for the first time or considering switching, there are a number of changes this year to be aware of when weighing options.

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The Inflation Reduction Act, passed by Democrats in Congress and signed into law by President Biden this year, extended subsidies from the American bailout until 2025. In addition, more consumers will receive financial assistance in 2023 plans than last year.

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Four out of five consumers will be able to find a plan that costs $10 or less per month after subsidies, the Biden administration said.

Another change this year is that the Department of the Treasury and the Internal Revenue Service (IRS) issued a new rule correcting the so-called “family failure” by expanding tax credits to offer coverage to family members of a person with employer-based insurance, which is “available” only for self-coverage.

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Experts say that regardless of an individual’s or family’s situation, it’s a good idea to review your coverage options annually to make sure the money isn’t left on the table when plans and circumstances change.

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“The bottom line is that you should review your options every year if you want to optimize your savings and understand the benefits your plan will include next year,” says Louise Norris, health policy analyst for Healthinsurance.org. “Sometimes plan changes are obvious and widely publicized, but sometimes they are less visible, such as changes to covered prescriptions, provider networks, or cost-sharing provisions. You won’t know if you don’t look.”

Julia Musto of FOX Business contributed to this report.