Open Enrollment Ahead Yield Sign

Unlike open enrollment periods in previous years, the 2018 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, 2017, and December 15, 2017.

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 2018
Alabama November 1, 2017 – December 15, 2017
Alaska November 1, 2017 – December 15, 2017
Arizona November 1, 2017 – December 15, 2017
Arkansas November 1, 2017 – December 15, 2017
California See chart below.
Colorado See chart below.
Connecticut See chart below.
Delaware November 1, 2017 – December 15, 2017
Florida November 1, 2017 – December 15, 2017
Georgia November 1, 2017 – December 15, 2017
Hawaii November 1, 2017 – December 15, 2017
Idaho November 1, 2017 – December 15, 2017
Illinois November 1, 2017 – December 15, 2017
Indiana November 1, 2017 – December 15, 2017
Iowa November 1, 2017 – December 15, 2017
Kansas November 1, 2017 – December 15, 2017
Kentucky November 1, 2017 – December 15, 2017
Louisiana November 1, 2017 – December 15, 2017
Maine November 1, 2017 – December 15, 2017
Maryland November 1, 2017 – December 15, 2017
Massachusetts See chart below.
Michigan November 1, 2017 – December 15, 2017
Minnesota See chart below.
Mississippi November 1, 2017 – December 15, 2017
Missouri November 1, 2017 – December 15, 2017
Montana November 1, 2017 – December 15, 2017
Nebraska November 1, 2017 – December 15, 2017
Nevada November 1, 2017 – December 15, 2017
New Hampshire November 1, 2017 – December 15, 2017
New Jersey November 1, 2017 – December 15, 2017
New Mexico November 1, 2017 – December 15, 2017
New York See chart below.
North Carolina November 1, 2017 – December 15, 2017
North Dakota November 1, 2017 – December 15, 2017
Ohio November 1, 2017 – December 15, 2017
Oklahoma November 1, 2017 – December 15, 2017
Oregon November 1, 2017 – December 15, 2017
Pennsylvania November 1, 2017 – December 15, 2017
Rhode Island See chart below.
South Carolina November 1, 2017 – December 15, 2017
South Dakota November 1, 2017 – December 15, 2017
Tennessee November 1, 2017 – December 15, 2017
Texas November 1, 2017 – December 15, 2017
Utah November 1, 2017 – December 15, 2017
Vermont November 1, 2017 – December 15, 2017
Virginia November 1, 2017 – December 15, 2017
Washington See chart below.
Washington DC See chart below.
West Virginia November 1, 2017 – December 15, 2017
Wisconsin November 1, 2017 – December 15, 2017
Wyoming November 1, 2017 – December 15, 2017

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 2018 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 December 15, 2017 January 15, 2018 January 31, 2018
Colorado December 15, 2017 January 12, 2018
Connecticut December 22, 2017
Massachusetts December 23, 2017 January 23, 2018
Minnesota December 20, 2017 January 14, 2018
New York December 15, 2017 January 15, 2018 January 31, 2018
Rhode Island December 31, 2017
Washington December 15, 2017 January 15, 2018
Washington DC December 15, 2017 January 15, 2018 January 31, 2018

What If I Miss the Open Enrollment 2018 Deadline?

If you miss the 2018 Open Enrollment Period and you do not qualify for a Special Enrollment Period (SEP), you will have to wait until open enrollment begins for 2019. 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 2019.

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