Open Enrollment Ahead Yield Sign; open enrollment dates

Like last year’s Open Enrollment Period, the 2019 Open Enrollment Period to sign up for individual health insurance will last less than two months—45 days to be exact. This Open Enrollment Period will run between November 1, 2018, and December 15, 2018.

Some states have chosen to extend their specific Open Enrollment Periods. (You will find more information on these states’ extended deadlines in the chart at the very bottom of the page.)

Find your state below to figure out your Open Enrollment dates.

States Open Enrollment Dates for 2019
Alabama November 1, 2018 – December 15, 2018
Alaska November 1, 2018 – December 15, 2018
Arizona November 1, 2018 – December 15, 2018
Arkansas November 1, 2018 – December 15, 2018
California See chart below.
Colorado See chart below.
Connecticut See chart below.
Delaware November 1, 2018 – December 15, 2018
Florida See chart below.
Georgia November 1, 2018 – December 15, 2018
Hawaii November 1, 2018 – December 15, 2018
Idaho November 1, 2018 – December 15, 2018
Illinois November 1, 2018 – December 15, 2018
Indiana November 1, 2018 – December 15, 2018
Iowa November 1, 2018 – December 15, 2018
Kansas November 1, 2018 – December 15, 2018
Kentucky November 1, 2018 – December 15, 2018
Louisiana November 1, 2018 – December 15, 2018
Maine November 1, 2018 – December 15, 2018
Maryland See chart below.
Massachusetts See chart below.
Michigan November 1, 2018 – December 15, 2018
Minnesota See chart below.
Mississippi November 1, 2018 – December 15, 2018
Missouri November 1, 2018 – December 15, 2018
Montana November 1, 2018 – December 15, 2018
Nebraska November 1, 2018 – December 15, 2018
Nevada November 1, 2018 – December 15, 2018
New Hampshire November 1, 2018 – December 15, 2018
New Jersey November 1, 2018 – December 15, 2018
New Mexico November 1, 2018 – December 15, 2018
New York See chart below.
North Carolina November 1, 2018 – December 15, 2018
North Dakota November 1, 2018 – December 15, 2018
Ohio November 1, 2018 – December 15, 2018
Oklahoma November 1, 2018 – December 15, 2018
Oregon November 1, 2018 – December 15, 2018
Pennsylvania November 1, 2018 – December 15, 2018
Rhode Island See chart below.
South Carolina November 1, 2018 – December 15, 2018
South Dakota November 1, 2018 – December 15, 2018
Tennessee November 1, 2018 – December 15, 2018
Texas November 1, 2018 – December 15, 2018
Utah November 1, 2018 – December 15, 2018
Vermont November 1, 2018 – December 15, 2018
Virginia November 1, 2018 – December 15, 2018
Washington November 1, 2018 – December 15, 2018
Washington DC See chart below.
West Virginia November 1, 2018 – December 15, 2018
Wisconsin November 1, 2018 – December 15, 2018
Wyoming November 1, 2018 – December 15, 2018

The first day coverage begins is often called the effective date. Most states’ Open Enrollment deadlines (December 15) match up with an effective date of January 1. This means that, as long as you enroll by the final deadline, your 2019 coverage will begin on the first day of the year.

Because some states have extended their deadlines, they will have varying effective date deadlines. If your state has extended its Open Enrollment period, you can find your effective date deadlines below.

State January 1 Effective Date Deadline February 1 Effective Date Deadline March 1 Effective Date Deadline
California October 15 – December 14, 2018 January 15, 2019
Colorado TO BE ANNOUNCED TO BE ANNOUNCED
Connecticut TO BE ANNOUNCED
Florida TO BE ANNOUNCED TO BE ANNOUNCED
Maryland TO BE ANNOUNCED
Massachusetts November 1 – December 23, 2018 December 24, 2018 – January 23, 2019
Minnesota November 1, 2018 January 13, 2019
New York TO BE ANNOUNCED TO BE ANNOUNCED TO BE ANNOUNCED
Rhode Island November 1 – December 31, 2018
Washington DC November 1 – December 15, 2018 December 16, 2018 – January 15, 2019 January 16 – 31, 2019

* If you purchased your ACA plan during Open Enrollment, your coverage will start January 1, 2019. Coverage may not start until February 1, 2019, for those who sign up during the Special Enrollment Period, unless retroactive coverage is requested.

What If I Miss the Open Enrollment 2019 Deadline?

If you miss the 2019 Open Enrollment Period and you do not qualify for a Special Enrollment Period (SEP), you will have to wait until Open Enrollment begins for 2020. You can qualify for an SEP if you have experienced a qualifying life event that prevented you from meeting the enrollment deadline. Qualifying life events can include:

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

You can see a full list of qualifying life events here. You have 60 days to enroll in a plan, if you qualify for a Special Enrollment Period. But, if you miss that 60-day window, you will have to wait until OEP begins for 2020.

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