Open enrollment is the time of year you can make changes to your existing coverage or purchase a new health insurance policy. If you’re used to group insurance, you know that those dates differ for each group insurance policy.
When it comes to individual medical insurance, though, there is a national open enrollment period (OEP) which takes place at roughly the same time for everyone.
When is open enrollment?
Each marketplace sets its own dates for open enrollment. See below for a list of each state’s marketplace and open enrollment dates:
- California - Covered California
- Colorado - Connect for Health
- Connecticut - Access Health CT
- Idaho - Your Health Idaho
- Maryland - Maryland Health Connection
- Massachusetts - Massachusetts Health Connector
- Minnesota - MNsure
- New York - NY State of Health
- Rhode Island - HealthSource RI
- Vermont - Vermont Health Connect
- Washington - Health Benefit Exchange
- Washington, DC - DC Health Link
- All other states: Healthcare.gov
What if I miss open enrollment?
When open enrollment is over, you can only purchase a major medical policy if you have a qualifying life event, such as getting married, having a baby, moving, etc.
This reimbursement benefit works in any situation and at any time of the year. Even if you can’t purchase a major medical policy, you have other options such as purchasing short-term health insurance.