The Open Enrollment Period for health insurance is here:
November 1 – January 15
Enroll in a new health plan or reevaluate your current coverage to see if it’s still a good fit for you. You can make the following changes during this period:
- Enroll in a health insurance plan for the first time
- Change health insurance plans
- Change who else is covered by your current plan
Still have questions? Learn more about the health insurance Open Enrollment Period.
In most states, Open Enrollment for Obamacare 2023 is now active, running from Nov. 1, 2022, to Jan. 15, 2023. But some states use different Open Enrollment timelines, so it is a good idea to check the deadline for your state and mark it on your calendar.
The Open Enrollment Period is an annual opportunity to enroll in Obamacare coverage for the coming year. During this time, Americans who need to buy private, individual health insurance can shop for a plan that suits their needs and enroll in coverage. Other types of health insurance, like employer-sponsored plans and Medicare, have their own enrollment windows.
Key Open Enrollment 2023 Dates
In the majority of states, Open Enrollment for Obamacare 2023 begins on Nov. 1, 2022, and ends on Jan. 15, 2023. Mark this window on your calendar, since enrollment opportunities can be limited at other times of the year.
- For coverage that starts Jan. 1, 2023, the deadline for health insurance enrollment is Dec. 15, 2022.
- For coverage that starts Feb. 1, 2023, the deadline for health insurance enrollment is Jan. 15, 2023.
While these deadlines apply to the majority of states, some states set different enrollment windows. These date ranges may change each year, so check the table below or with your state’s Department of Insurance for up-to-date enrollment information.
Enrollment for Obamacare in 2023 By State
In the 33 states that use the federal Health Insurance Marketplace, the 2023 Open Enrollment Period is now here, running from Nov. 1, 2022, to Jan. 15, 2023. States that run their own Marketplaces have the flexibility to choose different dates, so Open Enrollment could begin earlier or end later. Check the chart below to learn when you can enroll in Obamacare in your state.
|State||2023 Open Enrollment Dates|
|Alabama||November 1, 2022 to January 15, 2023|
|Alaska||November 1, 2022 to January 15, 2023|
|Arizona||November 1, 2022 to January 15, 2023|
|Arkansas||November 1, 2022 to January 15, 2023|
|California||November 1, 2022 to January 31, 2023*|
|Colorado||November 1, 2022 to January 15, 2023|
|Connecticut||November 1, 2022 to January 15, 2023|
|Delaware||November 1, 2022 to January 15, 2023|
|Florida||November 1, 2022 to January 15, 2023|
|Georgia||November 1, 2022 to January 15, 2023|
|Hawaii||November 1, 2022 to January 15, 2023|
|Idaho||October 15, 2022 to December 15, 2022|
|Illinois||November 1, 2022 to January 15, 2023|
|Indiana||November 1, 2022 to January 15, 2023|
|Iowa||November 1, 2022 to January 15, 2023|
|Kansas||November 1, 2022 to January 15, 2023|
|Kentucky||November 1, 2022 to January 31, 2023*|
|Louisiana||November 1, 2022 to January 15, 2023|
|Maine||November 1, 2022 to January 15, 2023*|
|Maryland||November 1, 2022 to January 15, 2023|
|Massachusetts||November 1, 2022 to January 23, 2023|
|Michigan||November 1, 2022 to January 15, 2023|
|Minnesota||November 1, 2022 to January 15, 2023|
|Mississippi||November 1, 2022 to January 15, 2023|
|Missouri||November 1, 2022 to January 15, 2023|
|Montana||November 1, 2022 to January 15, 2023|
|Nebraska||November 1, 2022 to January 15, 2023|
|Nevada||November 1, 2022 to January 15, 2023|
|New Hampshire||November 1, 2022 to January 15, 2023|
|New Jersey||November 1, 2022 to January 31, 2023|
|New Mexico||November 1, 2022 to January 15, 2023|
|New York||November 16, 2022 to January 31, 2023*|
|North Carolina||November 1, 2022 to January 15, 2023|
|North Dakota||November 1, 2022 to January 15, 2023|
|Ohio||November 1, 2022 to January 15, 2023|
|Oklahoma||November 1, 2022 to January 15, 2023|
|Oregon||November 1, 2022 to January 15, 2023|
|Pennsylvania||November 1, 2022 to January 15, 2023|
|Rhode Island||November 1, 2022 to January 31, 2023*|
|South Carolina||November 1, 2022 to January 15, 2023|
|South Dakota||November 1, 2022 to January 15, 2023|
|Tennessee||November 1, 2022 to January 15, 2023|
|Texas||November 1, 2022 to January 15, 2023|
|Utah||November 1, 2022 to January 15, 2023|
|Vermont||November 1, 2022 to January 15, 2023|
|Virginia||November 1, 2022 to January 15, 2023|
|Washington||November 1, 2022 to January 15, 2023|
|Washington, D.C.||November 1, 2022 to January 31, 2023|
|West Virginia||November 1, 2022 to January 15, 2023|
|Wisconsin||November 1, 2022 to January 15, 2023|
|Wyoming||November 1, 2022 to January 15, 2023|
|* Dates not confirmed for 2023 yet, showing 2022 dates|
How to Enroll During Open Enrollment
During your state’s Open Enrollment Period, eligible people can visit the federal Marketplace or their state-specific Marketplace to enroll in a health insurance plan.
The Affordable Care Act created the Marketplace to help Americans without access to job-based coverage get health insurance. However, those with employer-sponsored health insurance may purchase a supplemental policy through the Marketplace to increase their benefits coverage.
Eligibility criteria for enrollment are:
- Must be an American citizen or national who resides in the United States
- Must not be incarcerated
- Must not be enrolled in Medicare
With the Marketplace, you can browse plans available in your area and compare costs and coverages. When you are ready to apply, be prepared to provide information about yourself and other household members. The Marketplace application may ask for details about your income, current employment, and existing health coverage. If you need help with your application, you can contact the Marketplace directly or work with a licensed health insurance agent.
Health insurance coverage starts after you pay your first premium payment, so follow the insurer’s payment instructions to complete the enrollment process. Once enrollment is complete, insurers send new plan members information about the plan and a health insurance card. However, some insurers may do this entirely digitally instead.
How to Enroll Outside of Open Enrollment
Open Enrollment is the yearly window when people can enroll in Obamacare coverage for the following year. Those who do not sign up during this time may need to wait for the next Open Enrollment Period to get coverage. However, if you experience a qualifying life event, you may be eligible to sign up outside of Open Enrollment.
Qualifying life events are certain changes in your life that affect your health insurance. They trigger a Special Enrollment Period (SEP) that allows you to enroll in coverage mid-year, instead of waiting for the next Open Enrollment Period. Depending on the life event, the SEP could begin 60 days before the event or end 60 days after the event.
Qualifying Life Events
A wide range of life changes could trigger an SEP and allow you to enroll in a Marketplace plan mid-year. Some of these life events include:
- Changes in your household: Adding or losing a household member could trigger an SEP. These changes may include getting married or divorced, having a baby, or experiencing the death of a household member. For example, if you get divorced and lose your ex-spouse’s health insurance plan, you may need your own coverage.
- Changes in employment or finances: Changing jobs, losing your job, having your hours cut, or getting a raise could trigger an SEP if it affects your existing health insurance. This could include situations like switching jobs and losing your existing health coverage or getting a higher-paying job and becoming ineligible for Medicaid.
- Changes in where you live: Health plan options may vary based on location. Moving to a new ZIP code or county, including for school or seasonal work, could trigger an SEP if you had qualifying health coverage before the move.
- Aging out of your parents’ health insurance: Young adults generally become ineligible for their parent’s health plans when they turn 26 years old. Adults who are not eligible for their own job-based plan may want to buy a Marketplace plan during the SEP.
- Aging into Medicare: Older adults may become eligible for Medicare when they turn 65. After enrolling in Medicare, they may wish to cancel their Marketplace plan. You can do this at any time, but be sure to choose the termination date carefully to avoid a coverage gap.
- Changes in your current health insurance: This type of SEP could include situations such as your grandfathered health plan ending outside Open Enrollment or your Marketplace plan being discontinued. The end of your COBRA continuation coverage would also qualify.
How to Enroll Outside of Open Enrollment and Without a Qualifying Life Event
You cannot sign up for a Marketplace plan without a qualifying life event if you miss the deadline for health insurance Open Enrollment. However, you may have other health insurance options, such as short-term health insurance or Medicaid.
Short-term health insurance is also known as temporary health insurance. The coverage could last between three months and 364 days — just one day shy of a full year — in states where insurers are allowed to sell it. While these temporary plans could provide coverage while you wait for the next Open Enrollment Period, it is important to note the ACA does not regulate them. That means insurers can charge more or deny coverage to people with pre-existing conditions.
Another option to consider is Medicaid, a public health insurance program for low-income families and individuals. The eligibility requirements vary by state. Medicaid does not have Open Enrollment Periods, so eligible people can enroll throughout the year. You can apply through the Marketplace or by contacting your state’s Medicaid agency.
Those who are not eligible for Medicaid, unable to buy a short-term plan, or do not have a Qualifying Life Event must wait for the next Open Enrollment Period.