The Health Benefit Exchange, sometimes called “Exchange,” is a state- or federally-run place – website, call center, and physical location – where you can buy health care coverage. You are able to compare and choose health plans offered by providers like Kaiser Permanente, get answers to questions, and find out if you’re eligible for federal financial assistance or special programs. The annual open enrollment period through the Health Benefit Exchange begins November 1, 2022. Individual plan coverage purchased through the Health Benefit Exchange will be effective on January 1, 2023, or later.