It's open enrollment season. Public health programs, insurance marketplaces, and employers all hold enrollment periods this time of year, each with its own deadlines, and decisions made now shape a family's coverage for the year ahead.

Choosing a health plan is confusing for almost everyone. For the millions of people in the United States who speak limited English, it can feel nearly impossible.

Where Language Barriers Show Up

Language gaps can appear at every step of the enrollment process:

• Plan documents: Summaries of benefits, provider directories, and drug lists are long, technical, and often available only in English.

• Enrollment calls and meetings: Conversations with brokers, navigators, or HR staff move quickly and depend on specialized vocabulary.

• Benefits fairs and webinars: Employers often present options once, in English, with little chance to ask follow-up questions.

• Notices and deadlines: A missed letter about a document request or a premium payment can mean a lost plan.

When people don’t understand their options, they often pick the cheapest plan without realizing what it doesn’t cover, or they miss the enrollment deadline altogether.

Why Word-for-Word Translation Isn't Enough

Health insurance language is tricky even in English. In translation, it's easy to get wrong.

Take "premium." In Spanish, the correct insurance term is prima. To a non-Spanish speaker, premio might look like the obvious choice, but it means "prize" or "award." Using it would tell a family they're receiving something instead of paying for it. Terms like "deductible," "coinsurance," and "out-of-pocket maximum" are just as challenging. In many countries, insurance works differently or barely exists, so readers may not recognize the concept behind the word.

A good translation explains as well as translates. It uses consistent terminology, plain language, and, when needed, a short example that shows how the concept works in real life.

Who Should Be Planning for Language Access

Clear communication during enrollment reduces confusion, complaints, and costly mistakes for everyone involved, especially:

• Health insurers and health systems serving members and patients who speak many languages

• HR managers and employers with multilingual workforces

• Navigators, brokers, and community organizations helping families enroll

• Nonprofits and social service providers whose clients depend on affordable coverage

Practical Tips for This Enrollment Season

1. Translate the essentials first. Prioritize plan comparisons, enrollment instructions, deadlines, and contact information.

2. Start with plain English. Clear source material produces clearer translations.

3. Use a consistent glossary. Translate key terms the same way across your materials, and update the glossary as language changes.

4. Offer interpretation for live conversations. Phone or video interpretation makes enrollment calls and benefits meetings accessible, even on short notice.

5. Plan for next year. Build translation into your enrollment timeline so materials are ready on day one.

How Strata Can Help

Strata provides professional translation of benefits and enrollment materials and interpretation for enrollment calls, meetings, and benefits fairs, in person or remotely. Our linguists understand health insurance terminology and know how to make it clear for your audience.

Contact Strata via email at [email protected], or visit www.stratalang.com.