What happens if you don’t enroll
If you do not enroll by Tuesday, November 5, you’ll automatically have the following coverages for 2020. You cannot change your elections during 2020 unless you have a qualifying life event and make a new election within 31 days.

* If you do not answer the tobacco status questions during Annual Enrollment or if you use tobacco/smoke products, you will pay the tobacco-user fee of $50 per month for medical coverage and tobacco-user rates for life insurance if elected.
** If you choose to cover a spouse/domestic partner who has coverage available through their own employer, or you don’t indicate whether your spouse/domestic partner is eligible for medical coverage through their own employer, you will pay a $75 monthly fee in addition to the cost for your medical coverage level.