November 9, 2023
3 minute read

When is Open Enrollment for 2024?

The 2024 Open Enrollment Period (OEP) begins November 1, 2023, and ends usually January 15, 2024, in most states. Because January 15 falls on a federal holiday in 2024, OEP will extend until midnight, January 16 in many states.1

The chart below shows the 2024 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 2024 Plans
Alabama November 1, 2023 – January 16, 2024
Alaska November 1, 2023 – January 16, 2024
Arizona November 1, 2023 – January 16, 2024
Arkansas November 1, 2023 – January 16, 2024
Delaware November 1, 2023 – January 16, 2024
Florida November 1, 2023 – January 16, 2024
Georgia November 1, 2023 – January 16, 2024
Hawaii November 1, 2023 – January 16, 2024
Illinois November 1, 2023 – January 16, 2024
Indiana November 1, 2023 – January 16, 2024
Iowa November 1, 2023 – January 16, 2024
Kansas November 1, 2023 – January 16, 2024
Louisiana November 1, 2023 – January 16, 2024
Michigan November 1, 2023 – January 16, 2024
Mississippi November 1, 2023 – January 16, 2024
Missouri November 1, 2023 – January 16, 2024
Montana November 1, 2023 – January 16, 2024
Nebraska November 1, 2023 – January 16, 2024
New Hampshire November 1, 2023 – January 16, 2024
North Carolina November 1, 2023 – January 16, 2024
North Dakota November 1, 2023 – January 16, 2024
Ohio November 1, 2023 – January 16, 2024
Oklahoma November 1, 2023 – January 16, 2024
Oregon November 1, 2023 – January 16, 2024
South Carolina November 1, 2023 – January 16, 2024
South Dakota November 1, 2023 – January 16, 2024
Tennessee November 1, 2023 – January 16, 2024
Texas November 1, 2023 – January 16, 2024
Utah November 1, 2023 – January 16, 2024
Virginia November 1, 2023 – January 16, 2024
West Virginia November 1, 2023 – January 16, 2024
Wisconsin November 1, 2023 – January 16, 2024
Wyoming November 1, 2023 – January 16, 2024

Some states with their own ACA exchanges have different date ranges for the 2023 Open Enrollment Period. The chart below shows the SEP and OEP dates for these states.

State State Open Enrollment Period for 2024 Plans
California2 November 1, 2023 – January 31, 2024
Colorado3 November 1, 2023 – January 15, 2024
Connecticut4 November 1, 2023 – January 16, 2024
Idaho5 October 15, 2023 – December 15, 2023
Kentucky6 November 1, 2023 – January 15, 2024
Maine17 November 1, 2023 – January 15, 2024
Maryland7 November 1, 2023 – January 15, 2024
Massachusetts8 November 1, 2023 – January 23, 2024
Minnesota9 November 1, 2023 – January 15, 2024
Nevada10 November 1, 2023 – January 15, 2024
New Jersey11 November 1, 2023 – January 31, 2024
New Mexico12 November 1, 2023 – January 15, 2024
New York18 November 1, 2023 – January 31, 2024
Pennsylvania13 November 1, 2023 – January 15, 2024
Rhode Island19 November 1, 2023 – January 31, 2024
Vermont14 November 1, 2023 – January 15, 2024
Washington DC15* November 1, 2023 – January 31, 2024
Washington16 November 1, 2023 – January 15, 2024
*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.

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:20

    • 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.21 But, if you miss that 60-day window, you will have to wait until OEP to enroll in an individual health insurance policy for 2024.

If you missed the 2023 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 25 states.22
  • Short-term health insurance plans function as a temporary fit for healthy people, as they will not cover pre-existing conditions, and may be subject to medical underwriting.

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 2024 begins in fall 2023.

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) 827-9990.

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© 2023 HealthMarkets Insurance Agency. All rights reserved.

* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

50431-HM-1123

© 2023 HealthMarkets Insurance Agency. All rights reserved.

* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

50431-HM-1123

© 2023 HealthMarkets Insurance Agency. All rights reserved.

* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

50431-HM-1123