Open Enrollment Ahead Yield Sign; open enrollment dates

Editor’s Note for the Coronavirus (COVID-19): Find updates about health insurance options, including short-term health insurance plans and Special Enrollment Periods (SEPs) related to the spread of the coronavirus, at the bottom of the page.

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

Some states chose 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.

States Open Enrollment Dates for 2020
Alabama November 1, 2019 – December 18, 2019
Alaska November 1, 2019 – December 18, 2019
Arizona November 1, 2019 – December 18, 2019
Arkansas November 1, 2019 – December 18, 2019
California See chart below.
Colorado See chart below.
Connecticut See chart below.
Delaware November 1, 2019 – December 18, 2019
Florida November 1, 2019 – December 18, 2019
Georgia November 1, 2019 – December 18, 2019
Hawaii November 1, 2019 – December 18, 2019
Idaho November 1, 2019 – December 16, 2019
Illinois November 1, 2019 – December 18, 2019
Indiana November 1, 2019 – December 18, 2019
Iowa November 1, 2019 – December 18, 2019
Kansas November 1, 2019 – December 18, 2019
Kentucky November 1, 2019 – December 18, 2019
Louisiana November 1, 2019 – December 18, 2019
Maine November 1, 2019 – December 18, 2019
Maryland See chart below.
Massachusetts See chart below.
Michigan November 1, 2019 – December 18, 2019
Minnesota See chart below.
Mississippi November 1, 2019 – December 18, 2019
Missouri November 1, 2019 – December 18, 2019
Montana November 1, 2019 – December 18, 2019
Nebraska November 1, 2019 – December 18, 2019
Nevada See chart below.
New Hampshire November 1, 2019 – December 18, 2019
New Jersey November 1, 2019 – December 18, 2019
New Mexico November 1, 2019 – December 18, 2019
New York See chart below.
North Carolina November 1, 2019 – December 18, 2019
North Dakota November 1, 2019 – December 18, 2019
Ohio November 1, 2019 – December 18, 2019
Oklahoma November 1, 2019 – December 18, 2019
Oregon November 1, 2019 – December 18, 2019
Pennsylvania November 1, 2019 – December 18, 2019
Rhode Island See chart below.
South Carolina November 1, 2019 – December 18, 2019
South Dakota November 1, 2019 – December 18, 2019
Tennessee November 1, 2019 – December 18, 2019
Texas November 1, 2019 – December 18, 2019
Utah November 1, 2019 – December 18, 2019
Vermont See chart below.
Virginia November 1, 2019 – December 18, 2019
Washington See chart below.
Washington DC See chart below.
West Virginia November 1, 2019 – December 18, 2019
Wisconsin November 1, 2019 – December 18, 2019
Wyoming November 1, 2019 – December 18, 2019

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

I’m Concerned About the Coronavirus. Can I Still Buy Health Insurance for 2020?

Several state-run exchanges have enacted Special Enrollment Periods (SEPs) in response to the coronavirus (COVID-19) outbreak. These SEPs allow state residents to purchase individual health insurance plans if they weren’t previously insured for 2020 or lost coverage.

The dates below are for states with SEPs related to the spread of coronavirus.

State August 1 Effective Date Deadline September 1 Effective Date Deadline October 1 Effective Date Deadline November 1 Effective Date Deadline December 1 Effective Date Deadline
California July 31, 2020 August 31, 2020
Colorado*
Connecticut*
Maryland August 15, 2020 September 15, 2020 October 15, 2020 November 15, 2020 December 15, 2020
Massachusetts July 23, 2020
Minnesota*
Nevada*
New York August 15, 2020 August 15, 2020
Rhode Island*
Washington*
Washington DC July 31, 2020 August 31, 2020 September 15, 2020
Vermont August 14, 2020 August 14, 2020

*The COVID-19-related SEPs for the following states have ended: Colorado, Connecticut, Minnesota, Nevada, Rhode Island, and Washington.

My State Doesn’t Have an SEP for the Coronavirus. Can I Still Get Coverage?

Yes. You have options if you missed the 2020 Open Enrollment Period and you do not qualify for a Special Enrollment Period (SEP). You can enroll in a short-term health insurance plan, which is a good fit for temporary coverage. Short-term insurance coverage can range from 30 days to three months. Short-term health insurance plans offer:

  • Affordable premiums,
  • Quick approval, and
  • Flexible terms.

Short-term health insurance plans might be a good fit for healthy people, as they will not cover preexisting conditions like Affordable Care Act (ACA) plans.

If you do not qualify for an SEP and decide not to enroll in a short-term health plan, if you missed the 2020 Open Enrollment Period and you do not qualify for a SEP, you will have to wait until Open Enrollment begins for 2021. 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 2021 to get an individual health insurance policy.

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 today.

46144-HM-0820

Call us Now at (800) 304-3414 or Get a Quote Online