if i understand your question correctly your coverage is likely being terminated at the end of the year but you are being asked to make a decision on a new plan by nov. 1. you don't have to accept the new plan. you can shop for alternatives through healthcare. gov or contact a navigator in your area to discuss your options. if your income is low enough you may also qualify for federal assistance to pay your premium. you can find a navigator in your area by going to: <link>. the marketplace/exchange plans begin coverage on jan. 1st.
i am in florida and currently have a bc/bs individual health insurance plan. . bc/bs is cancelling my plan and assigning a new plan to me. their letter said that i will get that plan unless i change by nov. 1. can i change plans between now and jan. 1 or am i stuck with the assigned plan?