When Is Open Enrollment 2024? Dates & Deadlines for Each State (2024)

The 2024 Open Enrollment Period (OEP) begins November 1, 2023, and ends usually January 15, 2024, in most states. Because January 15 falls on a federal holiday in 2024, OEP will extend until midnight, January 16 in many states.1

The chart below shows the 2024 OEP dates for the states that use the federal ACA exchange. Coverage begins January 1.

If you have a Special Enrollment Period, coverage will begin the first day of the month after you sign up. For example, if you sign up on February 15, your coverage will be effective March 1.

StatesFederal Open Enrollment Period for 2024 Plans
AlabamaNovember 1, 2023 – January 16, 2024
AlaskaNovember 1, 2023 – January 16, 2024
ArizonaNovember 1, 2023 – January 16, 2024
ArkansasNovember 1, 2023 – January 16, 2024
DelawareNovember 1, 2023 – January 16, 2024
FloridaNovember 1, 2023 – January 16, 2024
GeorgiaNovember 1, 2023 – January 16, 2024
HawaiiNovember 1, 2023 – January 16, 2024
IllinoisNovember 1, 2023 – January 16, 2024
IndianaNovember 1, 2023 – January 16, 2024
IowaNovember 1, 2023 – January 16, 2024
KansasNovember 1, 2023 – January 16, 2024
LouisianaNovember 1, 2023 – January 16, 2024
MichiganNovember 1, 2023 – January 16, 2024
MississippiNovember 1, 2023 – January 16, 2024
MissouriNovember 1, 2023 – January 16, 2024
MontanaNovember 1, 2023 – January 16, 2024
NebraskaNovember 1, 2023 – January 16, 2024
New HampshireNovember 1, 2023 – January 16, 2024
North CarolinaNovember 1, 2023 – January 16, 2024
North DakotaNovember 1, 2023 – January 16, 2024
OhioNovember 1, 2023 – January 16, 2024
OklahomaNovember 1, 2023 – January 16, 2024
OregonNovember 1, 2023 – January 16, 2024
South CarolinaNovember 1, 2023 – January 16, 2024
South DakotaNovember 1, 2023 – January 16, 2024
TennesseeNovember 1, 2023 – January 16, 2024
TexasNovember 1, 2023 – January 16, 2024
UtahNovember 1, 2023 – January 16, 2024
VirginiaNovember 1, 2023 – January 16, 2024
West VirginiaNovember 1, 2023 – January 16, 2024
WisconsinNovember 1, 2023 – January 16, 2024
WyomingNovember 1, 2023 – January 16, 2024

Some states with their own ACA exchanges have different date ranges for the 2023 Open Enrollment Period. The chart below shows the SEP and OEP dates for these states.

StateState Open Enrollment Period for 2024 Plans
California2November 1, 2023 – January 31, 2024
Colorado3November 1, 2023 – January 15, 2024
Connecticut4November 1, 2023 – January 16, 2024
Idaho5October 15, 2023 – December 15, 2023
Kentucky6November 1, 2023 – January 15, 2024
Maine17November 1, 2023 – January 15, 2024
Maryland7November 1, 2023 – January 15, 2024
Massachusetts8November 1, 2023 – January 23, 2024
Minnesota9November 1, 2023 – January 15, 2024
Nevada10November 1, 2023 – January 15, 2024
New Jersey11November 1, 2023 – January 31, 2024
New Mexico12November 1, 2023 – January 15, 2024
New York18November 1, 2023 – January 31, 2024
Pennsylvania13November 1, 2023 – January 15, 2024
Rhode Island19November 1, 2023 – January 31, 2024
Vermont14November 1, 2023 – January 15, 2024
Washington DC15*November 1, 2023 – January 31, 2024
Washington16November 1, 2023 – January 15, 2024
*In Washington, DC, residents can have coverage effective immediately. For example, if residents sign up by June 30, they can choose for their coverage to begin on either June 1 or July 1.

I Missed My State’s Open Enrollment Deadline. Can I Still Get Healthcare Coverage?

If you missed the enrollment deadline in your state, it is still possible that you can qualify for a Special Enrollment Period (SEP) that will allow you to apply for health insurance.

You can qualify for an SEP if you have experienced a qualifying life event.

Qualifying life events can include:20

    • The loss of health insurance through a job.
    • Household changes such as marriage, divorce, a death in the family, or having a baby.
    • A change in your home address.

See a list of qualifying life events. You have 60 days to enroll in a plan, if you qualify for an SEP.21 But, if you miss that 60-day window, you will have to wait until OEP to enroll in an individual health insurance policy for 2024.

If you missed the 2023 Open Enrollment Period in your state and you do not qualify for an SEP, you can apply for a short-term health insurance plan.

  • Short-term health insurance coverage can be purchased outside of OEP for up to 364 days, and you can reapply for short-term coverage for up to 36 months in 25 states.22
  • Short-term health insurance plans function as a temporary fit for healthy people, as they will not cover pre-existing conditions, and may be subject to medical underwriting.

If you do not qualify for an SEP and decide not to apply for a short-term health plan, you will have to wait until Open Enrollment 2024 begins in fall 2023.

HealthMarkets can help you determine whether you qualify for an SEP and find an individual health plan that meets your needs. Shop, compare, and enroll in a health plan online or call us at (800) 827-9990.

When Is Open Enrollment 2024? Dates & Deadlines for Each State (2024)

FAQs

What states extended open enrollment? ›

The states that have extended their open enrollment periods for their residents include: California, Colorado, Massachusetts, Minnesota, Nevada, New Jersey, New York, Pennsylvania, Rhode Island, Washington, and Washington D.C. That means if you live in one of those states, you have more time to consider your health ...

How often do open enrollment periods usually occur? ›

Open enrollment happens annually, usually in the fall. However, the exact window of time depends on the source of your insurance. You can verify the exact dates for open enrollment with your employer or insurer. Open enrollment for marketplace insurance.

What happens if I miss the healthcare.gov deadline after? ›

What happens if you miss your deadline. If you don't meet your deadline, we'll make a new determination of the insurance and savings you're eligible for. These results will be based on information from our data sources, not what you put on your application.

What are the open enrollment dates for Covered California 2024? ›

SACRAMENTO, Calif. — Covered California announced today that it will give consumers until Feb. 9 to sign up for coverage in 2024. “We've seen record-breaking enrollment nationally, and Covered California is surging with heightened demand,” said Covered California Executive Director Jessica Altman.

What are the ACA guidelines for 2024? ›

In 2024, employees must not contribute more than 8.39% of their household income for the offer to be considered affordable. In years when the contribution rate decreases, employers must ensure their offers remain affordable, particularly when facing simultaneously rising healthcare costs.

What is the difference between open enrollment and annual enrollment? ›

Medicare Annual Enrollment is when anyone who has Medicare can make coverage changes for the upcoming year, while Medicare Advantage Open Enrollment is only for people who are currently enrolled in a Medicare Advantage plan.

Why does open enrollment exist? ›

Health insurance has an open enrollment period to avoid people buying health coverage only when they're sick. If people only got health insurance when they needed care and then dropped it when their health improved, there wouldn't be enough healthy people paying premiums to offset the costs for sicker members.

Is Obamacare still in effect? ›

Does Obamacare still exist? Despite many votes on whether or not to repeal it, the ACA still exists and is still the law of the land for healthcare coverage. The ACA has gone through some small changes and modifications since its inception.

What happens if you do nothing during open enrollment? ›

If you miss open enrollment, you may find that you cannot enroll or make changes to your coverage until the following year. However, qualifying life events can trigger a special enrollment period that will allow for mid-year enrollments and plan changes.

What is the highest income to qualify for Obamacare? ›

Obamacare subsidy income limits for 2024
Household sizeMin. incomeTypical max. income
2$19,720$78,880
3$24,860$99,440
4$30,000$120,000
5$35,140$140,560
1 more row
Jan 2, 2024

What are three scenarios that qualify you for a special enrollment period? ›

You qualify for a Special Enrollment Period if you've had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount.

Is open enrollment extended in Florida? ›

Open enrollment for health insurance in 2024 starts November 1, 2023, and runs until January 15, 2024, in Florida. The dates may vary depending on the state and the specific health insurance marketplace.

Is open enrollment open in California? ›

Open Enrollment for Covered California begins on November 1, 2023 and continues until January 31, 2024.

How long is open enrollment in Pennsylvania? ›

Open Enrollment Period - Open enrollment for individual health coverage runs from November 1 through January 15. Special Enrollment Periods - If you experience certain changes in your life's circ*mstances, you can sign up at any time during what are called Special Enrollment Periods.

Does Illinois have open enrollment? ›

Illinois offers K–12 students and their families several types of school choice, including two private school choice programs, charter schools, magnet schools, home schooling and intra-district public school choice via an open enrollment policy.

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