The 2023 Open Enrollment Period (OEP) begins November 1, 2022, in most states. Previously, the 2022 Open Enrollment Period (OEP) ran from November 1, 2021, through January 15, 2022, in most states.
The chart below shows the 2022 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.
| States | Federal Open Enrollment Period for 2022 Plans |
| Alabama | November 1, 2021 – January 15, 2022 |
| Alaska | November 1, 2021 – January 15, 2022 |
| Arizona | November 1, 2021 – January 15, 2022 |
| Arkansas | November 1, 2021 – January 15, 2022 |
| Delaware | November 1, 2021 – January 15, 2022 |
| Florida | November 1, 2021 – January 15, 2022 |
| Georgia | November 1, 2021 – January 15, 2022 |
| Hawaii | November 1, 2021 – January 15, 2022 |
| Illinois | November 1, 2021 – January 15, 2022 |
| Indiana | November 1, 2021 – January 15, 2022 |
| Iowa | November 1, 2021 – January 15, 2022 |
| Kansas | November 1, 2021 – January 15, 2022 |
| Louisiana | November 1, 2021 – January 15, 2022 |
| Michigan | November 1, 2021 – January 15, 2022 |
| Mississippi | November 1, 2021 – January 15, 2022 |
| Missouri | November 1, 2021 – January 15, 2022 |
| Montana | November 1, 2021 – January 15, 2022 |
| Nebraska | November 1, 2021 – January 15, 2022 |
| New Hampshire | November 1, 2021 – January 15, 2022 |
| North Carolina | November 1, 2021 – January 15, 2022 |
| North Dakota | November 1, 2021 – January 15, 2022 |
| Ohio | November 1, 2021 – January 15, 2022 |
| Oklahoma | November 1, 2021 – January 15, 2022 |
| Oregon | November 1, 2021 – January 15, 2022 |
| South Carolina | November 1, 2021 – January 15, 2022 |
| South Dakota | November 1, 2021 – January 15, 2022 |
| Tennessee | November 1, 2021 – January 15, 2022 |
| Texas | November 1, 2021 – January 15, 2022 |
| Utah | November 1, 2021 – January 15, 2022 |
| Virginia | November 1, 2021 – January 15, 2022 |
| West Virginia | November 1, 2021 – January 15, 2022 |
| Wisconsin | November 1, 2021 – January 15, 2022 |
| Wyoming | November 1, 2021 – January 15, 2022 |
Some states with their own ACA exchanges have different date ranges for the 2021 Special Enrollment Period and the 2022 Open Enrollment Period. The chart below shows the SEP and OEP dates for the these states.
| State | State Special Enrollment Deadline for 2021 Plans | State Open Enrollment Period for 2022 Plans | |||||||
| California1 | December 31, 2021 | November 1, 2021 – January 31, 2022 | |||||||
| Colorado2 | August 15, 2021 | November 1, 2021 – January 15, 2022 | |||||||
| Connecticut3 | October 31, 2021 | November 1, 2021 – January 15, 2022 | |||||||
| Idaho4,5 | April 30, 2021 | November 1, 2021 – December 22, 2021 | |||||||
| Kentucky6 | August 15, 2021 | November 1, 2021 – January 31, 2022 | |||||||
| Maine7 | August 15, 2021 | November 1, 2021 – January 15, 2022 | |||||||
| Maryland8,9 | August 15, 2021 | November 1, 2021 – February 28, 2022 | |||||||
| Massachusetts10,11 | July 23, 2021 | November 1, 2021 – January 23, 2022 | |||||||
| Minnesota12 | July 16, 2021 | November 1, 2021 – January 15, 2022 | |||||||
| Nevada13 | August 15, 2021 | November 1, 2021 – January 15, 2022 | |||||||
| New Jersey14 | December 31, 2021 | November 1, 2021 – January 31, 2022 | |||||||
| New Mexico15 | August 15, 2021 | November 1, 2021 – January 15, 2022 | |||||||
| New York16 | December 31, 2021 | November 16, 2021 – March 31, 2022 | |||||||
| Pennsylvania17,18 | August 15, 2021 | November 1, 2021 – January 15, 2022 | |||||||
| Rhode Island19,20 | August 15, 2021 | November 1, 2021 – January 31, 2022 | |||||||
| Vermont21 | October 1, 2021 | November 1, 2021 – January 15, 2022 | |||||||
| Washington DC22,23* | November 30, 2021/December 31, 2021 | November 1, 2021 – January 31, 2022 | |||||||
| Washington24 | August 15, 2021 | November 1, 2021 – January 15, 2022 | |||||||
| *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 1.22 | |||||||||
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:
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- 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. But, if you miss that 60-day window, you will have to wait until OEP to enroll in an individual health insurance policy for 2022.
If you missed the 2021 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 most states. Short-term health insurance plans might be a good, temporary fit for healthy people, as they will not cover pre-existing conditions like Affordable Care Act (ACA) plans.
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 2022 begins in fall 2021.
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) 304-3414.
