The Centers for Medicare and Medicaid Services (CMS) this week issued final changes for insurance marketplaces along with the schedule for open enrollment periods in 2017 and beyond.  The specific changes deal with out-of-network costs, required notices when provider networks change and improved risk adjustment formulas among other issues.  In addition however, the CMS finalized the open enrollment period for future years: for 2017 – 2018 from November 1 through January 31 and for 2019 and beyond, open enrollment will be from November 1 until December 15 of that year.