Open Enrollment Ahead Yield Sign; open enrollment dates

The 2020 Open Enrollment Period begins November 1, 2019, and ends December 18, 2019, for most states.

Some states are choosing to extend their specific Open Enrollment 2020 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 dates for Open Enrollment 2020.

StatesOpen Enrollment Dates for 2020
AlabamaNovember 1, 2019 – December 18, 2019
AlaskaNovember 1, 2019 – December 18, 2019
ArizonaNovember 1, 2019 – December 18, 2019
ArkansasNovember 1, 2019 – December 18, 2019
CaliforniaSee chart below.
ColoradoSee chart below.
ConnecticutSee chart below.
DelawareNovember 1, 2019 – December 18, 2019
FloridaNovember 1, 2019 – December 18, 2019
GeorgiaNovember 1, 2019 – December 18, 2019
HawaiiNovember 1, 2019 – December 18, 2019
IdahoNovember 1, 2019 – December 16, 2019
IllinoisNovember 1, 2019 – December 18, 2019
IndianaNovember 1, 2019 – December 18, 2019
IowaNovember 1, 2019 – December 18, 2019
KansasNovember 1, 2019 – December 18, 2019
KentuckyNovember 1, 2019 – December 18, 2019
LouisianaNovember 1, 2019 – December 18, 2019
MaineNovember 1, 2019 – December 18, 2019
MarylandNovember 1, 2019 – December 15, 2019
MassachusettsSee chart below.
MichiganNovember 1, 2019 – December 18, 2019
MinnesotaSee chart below.
MississippiNovember 1, 2019 – December 18, 2019
MissouriNovember 1, 2019 – December 18, 2019
MontanaNovember 1, 2019 – December 18, 2019
NebraskaNovember 1, 2019 – December 18, 2019
*NevadaNovember 1, 2019 – December 18, 2019
New HampshireNovember 1, 2019 – December 18, 2019
New JerseyNovember 1, 2019 – December 18, 2019
New MexicoNovember 1, 2019 – December 18, 2019
New YorkSee chart below.
North CarolinaNovember 1, 2019 – December 18, 2019
North DakotaNovember 1, 2019 – December 18, 2019
OhioNovember 1, 2019 – December 18, 2019
OklahomaNovember 1, 2019 – December 18, 2019
OregonNovember 1, 2019 – December 18, 2019
PennsylvaniaNovember 1, 2019 – December 18, 2019
Rhode IslandSee chart below.
South CarolinaNovember 1, 2019 – December 18, 2019
South DakotaNovember 1, 2019 – December 18, 2019
TennesseeNovember 1, 2019 – December 18, 2019
TexasNovember 1, 2019 – December 18, 2019
UtahNovember 1, 2019 – December 18, 2019
VermontNovember 1, 2019 – December 15, 2019
VirginiaNovember 1, 2019 – December 18, 2019
WashingtonSee chart below.
Washington DCSee chart below.
West VirginiaNovember 1, 2019 – December 18, 2019
WisconsinNovember 1, 2019 – December 18, 2019
WyomingNovember 1, 2019 – December 18, 2019

*Nevada residents who started an application on or before December 15 have until December 20 to complete it.

The first day coverage begins is often called the effective date. Most states’ Open Enrollment 2020 deadline (December 18) matches up with an effective date of January 1. This means that, as long as you enroll by the December 18 deadline, your 2020 coverage will begin on January 1, 2020, the first day of the year.

When Is the Last Day to Buy a 2020 Plan in States With an Extended OEP?

Because some states extended their Open Enrollment Period deadlines, they have varying deadlines. The dates below are for states with an extended Open Enrollment Period.

StateJanuary 1 Effective Date DeadlineFebruary 1 Effective Date DeadlineMarch 1 Effective Date Deadline
CaliforniaDecember 20, 2019January 31, 2020
ColoradoDecember 18, 2019January 15, 2020
ConnecticutDecember 15, 2019January 15, 2020
MassachusettsDecember 23, 2019January 23, 2020
MinnesotaDecember 23, 2019
New YorkDecember 15, 2019January 15, 2020January 31, 2020
Rhode IslandDecember 31, 2019
WashingtonDecember 15, 2019December 30, 2019
Washington DCDecember 18, 2019January 15, 2020January 31, 2020

Can I Still Buy Health Insurance for 2019?

If you missed 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 an SEP. But, if you miss that 60-day window, you will have to wait until OEP begins for 2020 to get an individual health insurance policy.

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