Each year, you receive a large document in the mail from your health insurance provider. This document is called the Annual Notice of Change (ANOC), and the government requires that your insurance carrier mails it to you every year by the end of September.


The ANOC is a summary of all of the changes that will occur in your plan in the coming year, and it’s intended to help you understand if your current plan will still work for you. The challenge with the ANOC is that it’s a big document—usually over 100 pages!


It can be overwhelming to review your ANOC thoroughly, but it is very important to do so. Your ANOC will clarify any increases or decreases in your monthly premium, changes to costs of coverage, and any adjustments to your plan’s prescription drug formulary, which is the guide you can use to understand if your medications are covered by your insurance plan.


Typically, your ANOC will include a summary sheet that makes it easy to see changes at a glance. If you cannot review your full ANOC, be sure to at least review your summary page to check for important changes to your standard costs, including:

  • Copays
  • Premiums
  • Out-of-pocket maximums
  • Deductibles
  • Prescription drug costs
  • Coinsurance payments
  • Costs for doctors visits (or other services you frequently use or plan on using in the coming year)


If you receive your ANOC and notice changes that may negatively impact your budget or coverage, contact us! We can help you review your plan and make sure it will continue to meet your needs in the coming year.