Open Enrollment Worksheet for Chronic Illness | Health Plan Comparison Printable | Spoonie Insurance Planner

✨ Compare health plans around the care you actually need ✨

Open enrollment is stressful for everyone. When you live with chronic illness, a plan that doesn't fit can mean losing a specialist or a medication you depend on. I made this worksheet kit so you can compare plans around your real life: your doctors, your meds, your infusions and equipment, and the hard year you might have. Fill it in on a good-spoon day, a little at a time. It's okay if it takes a week.

📋 WHAT'S INSIDE
19 printable pages to organize your care, compare up to 3 plans side by side, and write down your choice with everything in one place.
• Insurance words, in plain English
• Before-you-compare checklist
• My care team, my medications, and my recurring care & equipment
• Last year at a glance
• Real-life plan scenarios: six anecdotal "which kind of year are you planning for?" examples from the chronic illness community
• Plan comparison worksheet (3 plans, with a write-in box for each plan's name)
• Network check for your doctors, labs, and pharmacy
• Medication coverage check
• Worst-case year math
• Questions & call scripts, plus a call log for reference numbers
• My decision page with a January to-do list, and a gentle reminders page

💛 MADE FOR
Chronic illness folks (POTS, hEDS, MCAS, and many more) and caregivers choosing a health plan through an employer, the Marketplace, or Medicare. Especially if you have regular specialists, specialty meds, infusions, or medical equipment, and you need to check them before you commit.

📥 HOW IT WORKS
• Instant digital download (PDF). Nothing physical ships.
• Print at home or at a print shop. US Letter 8.5 x 11 in (use "fit to page" for A4).
• Print and fill in by hand. This is not a fillable PDF.
• Print as many copies as you need for yourself, and reuse it every year at annual open enrollment.
• No dates are printed, so it works whenever your enrollment window opens.

⭐ WHY IT'S DIFFERENT
Most open enrollment sheets are built for HR departments or generic benefits lists. This one is written for spoonies by a spoonie. It starts with your care team, your medications, and your recurring care, then walks you through a network check, a medication coverage check, call scripts you can read word for word, and a call log so you have receipts. Low pressure, no hustle-culture nonsense.

📌 PLEASE NOTE
• For personal use only. Please don't share or resell.
• The plan scenarios are anecdotal examples from lived experience, not recommendations.
• I'm not an insurance agent or financial advisor. This kit helps you organize your own questions and numbers. Always confirm details with the plan, your HR team, or your state or federal program before you enroll.
• This kit is an independent product, not affiliated with or endorsed by any government agency or insurance company.
• This product was created by someone living with chronic illness, not by a doctor or medical professional. It shares lived experience and is for informational and personal use only. It is not medical advice and is not a substitute for care from a qualified healthcare provider. Always talk with your care team before making decisions about your health. In an emergency, call 911 or your local emergency number.

🥄 You are not alone in this. You've got this.
Carley | RestingIsProductive

🛒 MORE FROM MY SPOONIE SHOP
• Insurance Claims Tracker: https://www.etsy.com/listing/4494546253/spoonie-insurance-tracker-medical-claims
• Complete Spoonie Medical Binder: https://www.etsy.com/listing/4485920953/complete-spoonie-medical-binder-22-page
• Don't Get Medically Gaslit Self-Advocacy Kit: https://www.etsy.com/listing/4523595625/dont-get-medically-gaslit-chronic
• Don't Get Medically Gaslit Bundle (Binder + Self-Advocacy Kit): https://www.etsy.com/listing/4523617194/dont-get-medically-gaslit-bundle-chronic
• The Daily Forecast Pacing Workbook: https://www.etsy.com/listing/4568867102/the-daily-forecast-chronic-illness
Use code SPOONIE10 for 10% off

Designed by Carley with the help of AI tools and reviewed by hand.