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.

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
MarylandSee chart below.
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
NevadaSee chart below.
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
VermontSee chart below.
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

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.

StateApril 1 Effective Date DeadlineMay 1 Effective Date DeadlineJune 1 Effective Date DeadlineJuly 1 Effective Date Deadline
CaliforniaMarch 31, 2020April 30, 2020May 31, 2020June 30, 2020
ColoradoApril 3, 2020April 30, 2020
ConnecticutApril 2, 2020April 17, 2020
MarylandApril 15, 2020May 15, 2020June 15, 2020
MassachusettsMarch 23, 2020April 23, 2020May 23, 2020May 25, 2020
MinnesotaApril 21, 2020
NevadaApril 1, 2020April 30, 2020May 15, 2020
New YorkApril 15, 2020
Rhode IslandMarch 31, 2020April 15, 2020
WashingtonApril 8, 2020May 8, 2020
Washington DCMarch 31, 2020April 30, 2020May 31, 2020June 15, 2020
Vermont*April 17, 2020April 17, 2020

*Vermont residents may choose either April 1, 2020, or May 1, 2020, for their coverage start date.

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.

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