Open Enrollment Ahead Yield Sign; open enrollment dates

The 2022 Open Enrollment Period (OEP) begins November 1, 2021, and ends January 15, 2022, in most states.

The chart below shows the 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
Kentucky November 1, 2021 – January 15, 2022
Louisiana November 1, 2021 – January 15, 2022
Maine 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
New Mexico 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 TBD
Idaho4,5 April 30, 2021 November 1, 2021 – December 15, 2021
Maryland6,7 August 15, 2021 November 1, 2021 – December 15, 2021
Massachusetts8,9 July 23, 2021 November 1, 2021 – January 23, 2022
Minnesota10 July 16, 2021 November 2021 – TBD
Nevada11 August 15, 2021 November 1, 2021 – January 15, 2022
New Jersey12 December 31, 2021 November 1, 2021 – January 31, 2022
New York13 December 31, 2021 February 17, 2021 – December 31, 2021
Pennsylvania14,15 August 15, 2021 November 1, 2021 – January 15, 2022
Rhode Island16,17 August 15, 2021 November 1, 2021 – TBD
Vermont18 October 1, 2021 November 1, 2021 – December 15, 2021
Washington DC19,20* November 30, 2021/December 31, 2021 November 1, 2021 – January 31, 2022
Washington21 August 15, 2021 November 1, 2021 – December 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 1.19

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:

    • 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.

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References
  1. “Covered California Announces 2022 Plans: Full Year of American Rescue Plan Benefits, More Consumer Choice and Low Rate Change.” Covered California. Retrieved from https://www.coveredca.com/special-enrollment/. Accessed May 24, 2021.
  2. “Last Call for Coloradans to Sign Up for 2021 Health Coverage.” Connect for Health Colorado. August 8, 2021. Retrieved from https://connectforhealthco.com/last-call-for-coloradans-to-sign-up-for-2021-health-coverage/
  3. “The American Rescue Plan Act Means More Access to Affordable Coverage in CT.” Access Health CT. August 5, 2021. Retrieved from https://www.accesshealthct.com/the-american-rescue-plan-act-means-more-access-to-affordable-coverage-in-ct/
  4. “Final Deadline for 2021 Health Insurance us April 30.” Your Health Idaho. April 19, 2021. https://www.yourhealthidaho.org/final-deadline-for-2021-health-insurance-is-april-30/
  5. Marketplace Committee Minutes.” Your Health Idaho. June 2021. https://www.yourhealthidaho.org/wp-content/uploads/06-07-2021-DRAFT-Marketplace-Committee-Minutes-to-Post.pdf
  6. “2022 Open Enrollment Dates.” Maryland Health Benefit Exchange. February 16, 2021. Retrieved from https://www.marylandhbe.com/wp-content/uploads/2021/02/2022-OEP-Dates-Presentation.pdf
  7. “Marylanders Have Until Aug. 15 to Enroll in a Health Plan for 2021.” Maryland Health Benefit Exchange. August 5, 2021. Retrieved from https://www.marylandhbe.com/wp-content/uploads/2021/08/SEP-Ending-in-Aug-Press-Release-.pdf
  8. “Massachusetts Health Connector and member carriers agree to carry over out-of-pocket costs for mid-year moves to access new lower premiums on-exchange.” Massachusetts Health Connector. May 20, 2021. Retrieved from https://www.mahealthconnector.org/health-connector-member-carriers-agree-to-carry-over-out-of-pocket-costs
  9. Massachusetts Health Connector. 2021. Retrieved from https://www.mahix.org/individual/.
  10. “Deadline to Apply for Private Health Insurance During COVID-19 Special Enrollment Period is Friday, July 16.” MNSure. July 12, 2021. Retrieved from https://www.mnsure.org/news-room/news/index.jsp#/detail/appId/1/id/489312
  11. Nevada Health Link. Retrieved from https://www.nevadahealthlink.com/coronavirus/. Accessed May 20, 2021.
  12. “When Can I Buy Health Insurance?” Get Covered NJ. Retrieved from https://nj.gov/getcoverednj/getstarted/buy/. Accessed August 9, 2021.
  13. NY State of Health. March 23, 2021. Retrieved from https://info.nystateofhealth.ny.gov/news/press-release-11th-anniversary-affordable-care-acts-signing-governor-cuomo-announces-expanded
  14. “Special Enrollment for PA Health Insurance Marketplace Ends Aug. 15.” PNS. August 6, 2021. Retrieved from https://www.publicnewsservice.org/2021-08-06/health/special-enrollment-for-pa-health-insurance-marketplace-ends-aug-15/a75265-1
  15. 2021. Retrieved from https://pennie.com/learn/how-to-enroll/
  16. Health Source RI. Retrieved from https://healthsourceri.com/nep/. Accessed February 18, 2021.
  17. “Open Enrollment.” Health Source RI. Retrieved from https://healthsourceri.com/oe/. Accessed August 9, 2021.
  18. “Enrollment FAQ.” Vermont Health Connect. Retrieved from https://info.healthconnect.vermont.gov/how-apply/enrollment-faq. Accessed August 9, 2021.
  19. “DC Residents Without Health Insurance Can Get Covered Now Through DC Health Link.” DC Health Link. February 1, 2021. Retrieved from https://www.dchealthlink.com/node/3528
  20. “Frequently Asked Questions (FAQs).” DC Health Link. 2021. Retrieved from https://dchealthlink.com/node/2413
  21. “When can I buy an individual health plan?” OIC. Retrieved from https://www.insurance.wa.gov/when-can-i-buy-individual-health-plan. Accessed August 27, 2021.
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