Insurance coverage documentation not available until months after open enrollment, legal/ethical?

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I was looking for the Explanation of Benefits (I think that’s what it’s called) for the 2021 year, and just like last year it doesn’t exist during open enrollment.

I emailed asking about it and was told it wouldn’t be available until November for 1 option and December for the other. This seems weird. How are we supposed to make an informed decision? Is this legal? I’m assuming probably since consumers tend to get shafted, but it seems unethical, weird, messed up. I’m just curious, am I missing something? We get some vague run downs and and short 1 page infographics, and stuff, but nothing with hard specific details.

submitted by /u/oxideseven
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I was looking for the Explanation of Benefits (I think that’s what it’s called) for the 2021 year, and just like last year it doesn’t exist during open enrollment. I emailed asking about it and was told it wouldn’t be available until November for 1 option and December for the other. This seems weird. How are we supposed to make an informed decision? Is this legal? I’m assuming probably since consumers tend to get shafted, but it seems unethical, weird, messed up. I’m just curious, am I missing something? We get some vague run downs and and short 1 page infographics, and stuff, but nothing with hard specific details.
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