Open Enrollment for Health Insurance

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Open enrollment dates for health insurance
Plan type | Dates |
---|---|
Marketplace plans on HealthCare.gov | Nov. 1 to Jan. 15.
(Sign up by Dec. 15 for coverage starting in January.) |
Individual and family plans on state health insurance exchanges | Varies by state. Generally starts in November and ends in January. |
Employer-sponsored health insurance | Set by your employer. Generally in the fall. |
Medicare | Oct. 15 to Dec. 7. |
Medicaid and CHIP | No date restrictions — you can apply any time. |
Marketplace (Obamacare) open enrollment
- If you sign up from Nov. 1 to Dec. 15, your coverage starts on Jan. 1.
- If you sign up from Dec. 16 to Jan. 15, your coverage starts on Feb. 1.
Open enrollment for employer-sponsored insurance
Medicare open enrollment
- Medicare open enrollment: From Oct. 15 to Dec. 7, you can join, switch, or drop Medicare Advantage and Medicare Part D plans.
- Medicare Advantage open enrollment: From Jan. 1 to March 31, you can switch to a different Medicare Advantage plan or drop your plan to go back to Original Medicare and join a Medicare Part D plan.