Enrolling in health insurance—whether Medicare or ACA—can be a confusing process. One small mistake can lead to a coverage gap, higher costs, or missed benefits. Fortunately, knowing what to watch for can help you stay on track and avoid common enrollment errors.

Some people miss enrollment deadlines, not realizing that Medicare and ACA plans only allow changes during specific windows. Others select plans without fully understanding the provider network or coverage details, leading to out-of-network charges or uncovered prescriptions. Another common mistake? Assuming the lowest premium equals the best value—when in reality, a low premium could mean much higher costs when care is needed.

In this article, we outline the top enrollment traps and how to avoid them—from verifying eligibility to reviewing plan documents carefully. You’ll also learn the importance of updating your plan during major life events, like a move, job change, or new diagnosis.

Our team is here to ensure your enrollment goes smoothly the first time—so you can get the care you need, without surprises later on.