Open Enrollment Ahead Yield Sign; open enrollment dates

The 2021 Open Enrollment Period begins November 1, 2020, and ends December 15, 2020, in most states.

Some states have chosen to extend their Open Enrollment 2021 periods. (You will find more information on these states’ extended deadlines in the chart below labeled “Deadlines for States With an Extended OEP.”)

Find your state below to figure out your dates for Open Enrollment 2021.

StatesOpen Enrollment Dates for 2021
AlabamaNovember 1, 2020 – December 15, 2020
AlaskaNovember 1, 2020 – December 15, 2020
ArizonaNovember 1, 2020 – December 15, 2020
ArkansasNovember 1, 2020 – December 15, 2020
CaliforniaSee chart below.
ColoradoSee chart below.
ConnecticutNovember 1, 2020 – December 15, 2020
DelawareNovember 1, 2020 – December 15, 2020
FloridaNovember 1, 2020 – December 15, 2020
GeorgiaNovember 1, 2020 – December 15, 2020
HawaiiNovember 1, 2020 – December 15, 2020
IdahoNovember 1, 2020 – December 15, 2020
IllinoisNovember 1, 2020 – December 15, 2020
IndianaNovember 1, 2020 – December 15, 2020
IowaNovember 1, 2020 – December 15, 2020
KansasNovember 1, 2020 – December 15, 2020
KentuckyNovember 1, 2020 – December 15, 2020
LouisianaNovember 1, 2020 – December 15, 2020
MaineNovember 1, 2020 – December 15, 2020
MarylandNovember 1, 2020 – December 15, 2020
MassachusettsSee chart below.
MichiganNovember 1, 2020 – December 15, 2020
MinnesotaSee chart below.
MississippiNovember 1, 2020 – December 15, 2020
MissouriNovember 1, 2020 – December 15, 2020
MontanaNovember 1, 2020 – December 15, 2020
NebraskaNovember 1, 2020 – December 15, 2020
NevadaSee chart below.
New HampshireNovember 1, 2020 – December 15, 2020
New JerseySee chart below.
New MexicoNovember 1, 2020 – December 15, 2020
New YorkSee chart below.
North CarolinaNovember 1, 2020 – December 15, 2020
North DakotaNovember 1, 2020 – December 15, 2020
OhioNovember 1, 2020 – December 15, 2020
OklahomaNovember 1, 2020 – December 15, 2020
OregonNovember 1, 2020 – December 15, 2020
PennsylvaniaSee chart below.
Rhode IslandSee chart below.
South CarolinaNovember 1, 2020 – December 15, 2020
South DakotaNovember 1, 2020 – December 15, 2020
TennesseeNovember 1, 2020 – December 15, 2020
TexasNovember 1, 2020 – December 15, 2020
UtahNovember 1, 2020 – December 15, 2020
VermontNovember 1, 2020 – December 15, 2020
VirginiaNovember 1, 2020 – December 15, 2020
WashingtonSee chart below.
Washington DCSee chart below.
West VirginiaNovember 1, 2020 – December 15, 2020
WisconsinNovember 1, 2020 – December 15, 2020
WyomingNovember 1, 2020 – December 15, 2020

When Will My Coverage Begin?

Most states’ Open Enrollment 2021 deadline (December 15, 2020) matches up with an effective date of January 1, 2021. This means your 2021 coverage will began January 1, 2021, the first day of the year – as long as you enroll by December 15, 2020.

Deadlines for States With an Extended OEP

StatesExtended Open Enrollment Dates for 2021
CaliforniaNovember 1, 2020 – January 31, 2021
ColoradoNovember 1, 2020 – January 15, 2021
MassachusettsNovember 1, 2020 – January 23, 2021
MinnesotaNovember 1, 2020 – December 22, 2020
NevadaNovember 1, 2020 – January 15, 2021
New YorkNovember 1, 2020 – January 31, 2021
New JerseyNovember 1, 2020 – January 31, 2021
PennsylvaniaNovember 1, 2020 – January 15, 2021
Rhode IslandNovember 1, 2020 – January 23, 2021
WashingtonNovember 1, 2020 – January 15, 2021
Washington DCNovember 1, 2020 – January 31, 2021

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.

 

StateOctober 1 Effective Date DeadlineNovember 1 Effective Date DeadlineDecember 1 Effective Date Deadline
CaliforniaSeptember 30, 2020October 31, 2020November 31, 2020
MarylandOctober 15, 2020November 15, 2020December 15, 2020
New York*October 1, 2020October 1/November 30, 2020December 15, 2020
Washington DCSeptember 30, 2020October 31, 2020November 30, 2020

*New York residents who enroll between October 16 and December 15 can choose an effective date of either November 1 or December 1.

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 apply for a short-term health insurance plan, which is a good fit for temporary coverage. 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. Short-term health insurance plans offer:

  • Affordable premiums,
  • Quick application process, and
  • Flexible terms.

Short-term health insurance plans might be a good 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 2021 begins on November 1, 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 an SEP. But, if you miss that 60-day window, you will have to wait until OEP begins for 2021 to enroll in 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.

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