Open Enrollment Deadlines

Common Ground Healthcare is now CareSource!
We have a new name, but our commitment is the same. We make health insurance simple to use and easy to understand.

FOR JANUARY 2026 COVERAGE
Enrollment ends Dec. 15, 2025

FOR FEBRUARY 2026 COVERAGE
Enrollment ends Jan. 15, 2026

Open Enrollment Period and Plan Effective Dates

RENEWING MEMBERS	NEW MEMBERS
The 2026 health plan outlined in your renewal packet will take effect JANUARY 1 unless you choose a different plan by December 15. Where Can I Find My Renewal Packet Online? Go to the Pay My Premium portal Click “View Renewal Letter” to see your renewal packet. How Do I Renew The Health Plan I Have Now? Go to the Pay My Premium portal Click “Renew My Coverage.” This option will be available November 1 through December 15. Review and update your info. This is the best way to avoid any miscommunication with the Health Insurance Marketplace^® (Exchange). If you take no action, we enroll you in the 2026 health plan that is outlined in your renewal packet. It is equivalent to the CareSource health plan you have now. It will take effect on January 1 unless you enroll in a different plan. Need help with your renewal? Contact your health insurance agent or broker. Or call Member Services at 1-877-514-2442 (TTY: 711). How Do I Select a Different CareSource Plan? Go to the Pay My Premium portal Click “Renew My Coverage” then follow the on-screen instructions. The renewal option will be available through December 15. When asked to confirm your plan selection, choose the CareSource plan that best fits your needs for the new plan year. Need help with the Pay My Premium portal? Call Member Services at 1-877-514-2442 (TTY:711). If you need help choosing a different CareSource health plan, please contact: Your health insurance agent or broker. Or call our Renewal Support team at 1-855-494-2667 (TTY:711) How Can I Get a Tax Credit? Only plans offered on the Health Insurance Marketplace^® (Exchange) are eligible for the Advance Premium Tax Credit (APTC). Important – Everyone who wants an APTC must estimate their household income for 2026. If you do not receive a tax credit now, you can check to see if you are eligible for financial help in 2026. Go to the Pay My Premium portal Click “View Renewal Letter” to see your renewal packet and steps tailored to your situation. Why Did My APTC Amount Change? The amount of your Advance Premium Tax Credit (APTC) or Cost Sharing Reduction (CSR) from the federal government can change at any time. The amount can be impacted by many factors, such as filing or not filing your federal income taxes. Learn more about reporting income and household changes. When Do I Get An Invoice for January Coverage? Early in December, we will send you an invoice for your January coverage. It will be for the 2026 health plan that is on file for you as of December 1. Payment will be due on December 25. When Will I Get My 2026 ID Card(s)? For renewal plans, we will mail your 2026 ID card(s) mid-December. They will be for the health plan on file for you as of December 1. For plan changes, we will mail ID card(s) with your new plan info about 7-10 business days after we receive your first month’s payment. How Do I Download My ID Card? Starting on December 21, you can download your 2026 ID card from the Pay My Premium portal. How Do I Choose a Different CareSource Plan? For a JANUARY 1 effective date Enroll between November 1 and December 15. Any change made between December 2–15 that impacts your premium will result in a revised invoice being created. You can view the revised invoice in the Pay My Premium portal between December 21–25. For a FEBRUARY 1 effective date Enroll between December 16 and January 15. When Open Enrollment ends on January 15, you will no longer be able to make changes to your plan – unless you qualify for a Special Enrollment Period (SEP).	For a JANUARY 1 effective date – enroll between November 1 and December 15. For a FEBRUARY 1 effective date – enroll between December 16 and January 15. How Do I See CareSource’s Health Plans? Visit our CareSource^® Wisconsin Plans page. Click “Access Plan Documents” Schedule of Benefits (SOB) shows how you and the plan will share the cost for covered services. Summary of Benefits and Coverage (SBC) shows more details about cost sharing for the plan. How Do I Get a Quote For a Health Plan? Go to our Looking for Insurance web page. Click “Browse Plans & Prices.” Complete all the requested information. Be sure to enter your estimated household income to see if you qualify for help lowering your monthly premium payment. Click “Get Quote.” If you qualify for federal help in the form of the Advance Premium Tax Credit (APTC) or a Cost Sharing Reduction (CSR) plan, a pop up will appear. To use those savings, select “View Marketplace Plans.” Otherwise, select “Return to Plans” to view other options. How Will I Know If I Qualify for a Tax Credit? When you get a quote or enroll in a plan, you will be asked to provide your predicted household income for 2026. The federal government uses the info you enter to calculate your eligibility for an Advance Premium Tax Credit (APTC) or a Cost Sharing Reduction (CSR) plan. All household members that file a federal tax return should be included in your estimate of household income, even if they don’t enroll in the coverage. Get info on how to estimate your annual household income. Why Did My APTC Amount Change? The amount of your Advance Premium Tax Credit (APTC) or Cost Sharing Reduction (CSR) from the federal government can change at any time. The amount can be impacted by many factors, such as filing or not filing your federal income taxes. Learn more about reporting income and household changes. How Do I Activate My New Health Plan? Your coverage will become active when we receive your first month’s payment in full. The date you enroll determines the effective date of your plan. For a JANUARY 1 effective date – enroll between November 1 and December 15. For a FEBRUARY 1 effective date – enroll between December 16 and January 15. Can I Change Plans After I Enroll? During Open Enrollment, which runs through January 15, you may change plans as often as you need to. Please keep in mind: Changes made to your plan may impact your premium and/or your Advance Premium Tax Credit (APTC) or Cost Sharing Reduction (CSR). If a change impacts your premium, an adjustment may be needed even if the invoice has already been mailed. The date a change is made determines when it will be effective. For a JANUARY 1 effective date – enroll between November 1 and December 15. For a FEBRUARY 1 effective date – enroll between December 16 and January 15. When Open Enrollment ends on January 15, you will no longer be able to make changes to your plan, unless you qualify for a Special Enrollment Period (SEP). When Will I Receive My ID Card(s)? ID cards will be mailed 3-5 business days after we process your first month’s payment. You may download a Temporary ID card from the Pay My Premium portal. When Do Plan Benefits Become Available? Plan benefits are available on/after your selected effective date after your first month’s payment is received in full. For a JANUARY 1 effective date – enroll between November 1 and December 15. For a FEBRUARY 1 effective date – enroll between December 16 and January 15. After January 15, you will not be able to enroll in coverage for the 2026 plan year unless you qualify for a Special Enrollment Period (SEP). When is My Plan’s Monthly Premium Due? Your first month’s premium must be paid in full to activate your coverage. After your coverage is activated, pay your monthly premium in full by the 25th of each month before the start of the coverage month. For example, pay by February 25 for your March coverage. What Payment Options Are Available? We accept payments online, by phone and mail. Go to the Pay My Premium portal for details. What If My Payment Arrives Late? If we don’t receive your payment by the 25th of the month before the coverage month, you will enter a grace period. This will allow you time to get caught up. Grace periods vary based on whether you received an Advance Premium Tax Credit (APTC). Details are outlined in the Certificate of Coverage. You will remain in the grace period until you pay your total balance due, which is based on the date your payment is processed. If you do not pay the total balance due by the end of your grace period, your coverage will terminate, and you will need to pay for your health care and prescription costs.. What Is An EPO Network? EPO stands for Exclusive Provider Organization. This means health plan members will only have coverage for care received from in-network providers. If you use an out-of-network provider, the services will not be covered, except for: Emergency care and urgent care outside of our service area. When there are not any in-network providers that are qualified to treat your condition.* If you are unable to find an in-network provider to treat your condition, your current in-network provider can request an out-of-network consultation by submitting a prior authorization request. If approved, you will receive written approval to see the out-of-network provider for the consultation. Additional requests for prior authorization will be required before any additional services will be covered by the plan. If out-of-network services are denied, an in-network provider will be recommended. Are You Ready to Enroll?* Browse plans and pricing. Contact your health insurance agent. Call our Renewal Support team at 1-855-494-2667 (TTY: 711).

RENEWING MEMBERS

NEW MEMBERS

The 2026 health plan outlined in your renewal packet will take effect JANUARY 1 unless you choose a different plan by December 15.

Where Can I Find My Renewal Packet Online?

Go to the Pay My Premium portal
Click “View Renewal Letter” to see your renewal packet.

How Do I Renew The Health Plan I Have Now?

Go to the Pay My Premium portal
Click “Renew My Coverage.” This option will be available November 1 through December 15.
Review and update your info. This is the best way to avoid any miscommunication with the Health Insurance Marketplace^® (Exchange).
If you take no action, we enroll you in the 2026 health plan that is outlined in your renewal packet. It is equivalent to the CareSource health plan you have now. It will take effect on January 1 unless you enroll in a different plan.
Need help with your renewal?
- Contact your health insurance agent or broker.
- Or call Member Services at 1-877-514-2442 (TTY: 711).

How Do I Select a Different CareSource Plan?

Go to the Pay My Premium portal
Click “Renew My Coverage” then follow the on-screen instructions. The renewal option will be available through December 15.
When asked to confirm your plan selection, choose the CareSource plan that best fits your needs for the new plan year.

Need help with the Pay My Premium portal? Call Member Services at 1-877-514-2442 (TTY:711).

If you need help choosing a different CareSource health plan, please contact:

Your health insurance agent or broker.
Or call our Renewal Support team at 1-855-494-2667 (TTY:711)

How Can I Get a Tax Credit?

Only plans offered on the Health Insurance Marketplace^® (Exchange) are eligible for the Advance Premium Tax Credit (APTC). Important – Everyone who wants an APTC must estimate their household income for 2026.

If you do not receive a tax credit now, you can check to see if you are eligible for financial help in 2026.

Go to the Pay My Premium portal
Click “View Renewal Letter” to see your renewal packet and steps tailored to your situation.

Why Did My APTC Amount Change?

The amount of your Advance Premium Tax Credit (APTC) or Cost Sharing Reduction (CSR) from the federal government can change at any time. The amount can be impacted by many factors, such as filing or not filing your federal income taxes.

Learn more about reporting income and household changes.

When Do I Get An Invoice for January Coverage?

Early in December, we will send you an invoice for your January coverage. It will be for the 2026 health plan that is on file for you as of December 1. Payment will be due on December 25.

When Will I Get My 2026 ID Card(s)?

For renewal plans, we will mail your 2026 ID card(s) mid-December. They will be for the health plan on file for you as of December 1.
For plan changes, we will mail ID card(s) with your new plan info about 7-10 business days after we receive your first month’s payment.

How Do I Download My ID Card?

Starting on December 21, you can download your 2026 ID card from the Pay My Premium portal.

How Do I Choose a Different CareSource Plan?

For a JANUARY 1 effective date

Enroll between November 1 and December 15.
Any change made between December 2–15 that impacts your premium will result in a revised invoice being created.
You can view the revised invoice in the Pay My Premium portal between December 21–25.

For a FEBRUARY 1 effective date

Enroll between December 16 and January 15.
When Open Enrollment ends on January 15, you will no longer be able to make changes to your plan – unless you qualify for a Special Enrollment Period (SEP).

For a JANUARY 1 effective date – enroll between November 1 and December 15.

For a FEBRUARY 1 effective date – enroll between December 16 and January 15.

How Do I See CareSource’s Health Plans?

Visit our CareSource^® Wisconsin Plans page.
Click “Access Plan Documents”
Schedule of Benefits (SOB) shows how you and the plan will share the cost for covered services.
Summary of Benefits and Coverage (SBC) shows more details about cost sharing for the plan.

How Do I Get a Quote For a Health Plan?

Go to our Looking for Insurance web page.
Click “Browse Plans & Prices.”
Complete all the requested information.
Be sure to enter your estimated household income to see if you qualify for help lowering your monthly premium payment.
Click “Get Quote.”
If you qualify for federal help in the form of the Advance Premium Tax Credit (APTC) or a Cost Sharing Reduction (CSR) plan, a pop up will appear. To use those savings, select “View Marketplace Plans.”
Otherwise, select “Return to Plans” to view other options.

How Will I Know If I Qualify for a Tax Credit?

When you get a quote or enroll in a plan, you will be asked to provide your predicted household income for 2026.

The federal government uses the info you enter to calculate your eligibility for an Advance Premium Tax Credit (APTC) or a Cost Sharing Reduction (CSR) plan.
All household members that file a federal tax return should be included in your estimate of household income, even if they don’t enroll in the coverage.
Get info on how to estimate your annual household income.

Why Did My APTC Amount Change?

Learn more about reporting income and household changes.

How Do I Activate My New Health Plan?

Your coverage will become active when we receive your first month’s payment in full. The date you enroll determines the effective date of your plan.

For a JANUARY 1 effective date – enroll between November 1 and December 15.
For a FEBRUARY 1 effective date – enroll between December 16 and January 15.

Can I Change Plans After I Enroll?

During Open Enrollment, which runs through January 15, you may change plans as often as you need to. Please keep in mind:

Changes made to your plan may impact your premium and/or your Advance Premium Tax Credit (APTC) or Cost Sharing Reduction (CSR).
If a change impacts your premium, an adjustment may be needed even if the invoice has already been mailed.
The date a change is made determines when it will be effective.
- For a JANUARY 1 effective date – enroll between November 1 and December 15.
- For a FEBRUARY 1 effective date – enroll between December 16 and January 15.
When Open Enrollment ends on January 15, you will no longer be able to make changes to your plan, unless you qualify for a Special Enrollment Period (SEP).

When Will I Receive My ID Card(s)?

ID cards will be mailed 3-5 business days after we process your first month’s payment. You may download a Temporary ID card from the Pay My Premium portal.

When Do Plan Benefits Become Available?

Plan benefits are available on/after your selected effective date after your first month’s payment is received in full.

For a JANUARY 1 effective date – enroll between November 1 and December 15.
For a FEBRUARY 1 effective date – enroll between December 16 and January 15.
After January 15, you will not be able to enroll in coverage for the 2026 plan year unless you qualify for a Special Enrollment Period (SEP).

When is My Plan’s Monthly Premium Due?

Your first month’s premium must be paid in full to activate your coverage. After your coverage is activated, pay your monthly premium in full by the 25th of each month before the start of the coverage month. For example, pay by February 25 for your March coverage.

What Payment Options Are Available?

We accept payments online, by phone and mail. Go to the Pay My Premium portal for details.

What If My Payment Arrives Late?

If we don’t receive your payment by the 25th of the month before the coverage month, you will enter a grace period. This will allow you time to get caught up.

Grace periods vary based on whether you received an Advance Premium Tax Credit (APTC). Details are outlined in the Certificate of Coverage.

You will remain in the grace period until you pay your total balance due, which is based on the date your payment is processed.

If you do not pay the total balance due by the end of your grace period, your coverage will terminate, and you will need to pay for your health care and prescription costs..

What Is An EPO Network?

EPO stands for Exclusive Provider Organization. This means health plan members will only have coverage for care received from in-network providers.

If you use an out-of-network provider, the services will not be covered, except for:

Emergency care and urgent care outside of our service area.
When there are not any in-network providers that are qualified to treat your condition.*
*If you are unable to find an in-network provider to treat your condition, your current in-network provider can request an out-of-network consultation by submitting a prior authorization request. If approved, you will receive written approval to see the out-of-network provider for the consultation. Additional requests for prior authorization will be required before any additional services will be covered by the plan. If out-of-network services are denied, an in-network provider will be recommended.

Are You Ready to Enroll?