Open Enrollment Ahead Yield Sign; open enrollment dates

Note: Open Enrollment dates for 2020 are not yet available. The 2019 Open Enrollment Period (OEP) has ended, but you may qualify for a Special Enrollment Period (SEP).

The 2019 Open Enrollment Period ran between November 1, 2018, and December 15, 2018.

Some states chose 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 what your Open Enrollment dates were.

StatesOpen Enrollment Dates for 2019
AlabamaNovember 1, 2018 – December 15, 2018
AlaskaNovember 1, 2018 – December 15, 2018
ArizonaNovember 1, 2018 – December 15, 2018
ArkansasNovember 1, 2018 – December 15, 2018
CaliforniaSee chart below.
ColoradoSee chart below.
ConnecticutNovember 1, 2018 – December 15, 2018
DelawareNovember 1, 2018 – December 15, 2018
FloridaNovember 1, 2018 – December 15, 2018
GeorgiaNovember 1, 2018 – December 15, 2018
HawaiiNovember 1, 2018 – December 15, 2018
IdahoNovember 1, 2018 – December 15, 2018
IllinoisNovember 1, 2018 – December 15, 2018
IndianaNovember 1, 2018 – December 15, 2018
IowaNovember 1, 2018 – December 15, 2018
KansasNovember 1, 2018 – December 15, 2018
KentuckyNovember 1, 2018 – December 15, 2018
LouisianaNovember 1, 2018 – December 15, 2018
MaineNovember 1, 2018 – December 15, 2018
MarylandNovember 1, 2018 – December 15, 2018
MassachusettsSee chart below.
MichiganNovember 1, 2018 – December 15, 2018
MinnesotaSee chart below.
MississippiNovember 1, 2018 – December 15, 2018
MissouriNovember 1, 2018 – December 15, 2018
MontanaNovember 1, 2018 – December 15, 2018
NebraskaNovember 1, 2018 – December 15, 2018
NevadaNovember 1, 2018 – December 15, 2018
New HampshireNovember 1, 2018 – December 15, 2018
New JerseyNovember 1, 2018 – December 15, 2018
New MexicoNovember 1, 2018 – December 15, 2018
New YorkSee chart below.
North CarolinaNovember 1, 2018 – December 15, 2018
North DakotaNovember 1, 2018 – December 15, 2018
OhioNovember 1, 2018 – December 15, 2018
OklahomaNovember 1, 2018 – December 15, 2018
OregonNovember 1, 2018 – December 15, 2018
PennsylvaniaNovember 1, 2018 – December 15, 2018
Rhode IslandSee chart below.
South CarolinaNovember 1, 2018 – December 15, 2018
South DakotaNovember 1, 2018 – December 15, 2018
TennesseeNovember 1, 2018 – December 15, 2018
TexasNovember 1, 2018 – December 15, 2018
UtahNovember 1, 2018 – December 15, 2018
VermontNovember 1, 2018 – December 15, 2018
VirginiaNovember 1, 2018 – December 15, 2018
WashingtonNovember 1, 2018 – December 15, 2018
Washington DCSee chart below.
West VirginiaNovember 1, 2018 – December 15, 2018
WisconsinNovember 1, 2018 – December 15, 2018
WyomingNovember 1, 2018 – December 15, 2018

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

When Is the Last Day to Buy a 2019 Plan in States With an Extended OEP?

Because some states extended their Open Enrollment Period deadlines, they had varying effective date deadlines. The effective date deadlines below were for states that extended their Open Enrollment Period. For example, January 15 was the last day Californians could buy a 2019 health insurance plan, while residents of Washington DC had until January 31.

StateJanuary 1 Effective Date DeadlineFebruary 1 Effective Date Deadline March 1 Effective Date Deadline
CaliforniaDecember 21, 2018January 15, 2019
ColoradoDecember 15, 2018January 15, 2019
MassachusettsDecember 23, 2018January 23, 2019
MinnesotaDecember 15, 2018January 13, 2019
New YorkDecember 15, 2018January 15, 2019January 31, 2019
Rhode IslandDecember 23, 2018
Washington DCDecember 15, 2018January 15, 2019January 31, 2019

* If you purchased your ACA plan during Open Enrollment, your coverage began January 1, 2019. Coverage may not have started until February 1, 2019, for those who signed up during the Special Enrollment Period, unless retroactive coverage was requested.

What If I Missed the Open Enrollment 2019 Deadline?

If you missed the 2019 Open Enrollment Period and you did 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 to get individual health insurance.

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