December 14, 2022
3 minute read

When Is Open Enrollment for 2023?

The 2023 Open Enrollment Period (OEP) begins November 1, 2022, and ends January 15, 2023, in most states.

The chart below shows the 2023 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 2023 Plans
Alabama November 1, 2022 – January 15, 2023
Alaska November 1, 2022 – January 15, 2023
Arizona November 1, 2022 – January 15, 2023
Arkansas November 1, 2022 – January 15, 2023
Delaware November 1, 2022 – January 15, 2023
Florida November 1, 2022 – January 15, 2023
Georgia November 1, 2022 – January 15, 2023
Hawaii November 1, 2022 – January 15, 2023
Illinois November 1, 2022 – January 15, 2023
Indiana November 1, 2022 – January 15, 2023
Iowa November 1, 2022 – January 15, 2023
Kansas November 1, 2022 – January 15, 2023
Louisiana November 1, 2022 – January 15, 2023
Michigan November 1, 2022 – January 15, 2023
Mississippi November 1, 2022 – January 15, 2023
Missouri November 1, 2022 – January 15, 2023
Montana November 1, 2022 – January 15, 2023
Nebraska November 1, 2022 – January 15, 2023
New Hampshire November 1, 2022 – January 15, 2023
North Carolina November 1, 2022 – January 15, 2023
North Dakota November 1, 2022 – January 15, 2023
Ohio November 1, 2022 – January 15, 2023
Oklahoma November 1, 2022 – January 15, 2023
Oregon November 1, 2022 – January 15, 2023
South Carolina November 1, 2022 – January 15, 2023
South Dakota November 1, 2022 – January 15, 2023
Tennessee November 1, 2022 – January 15, 2023
Texas November 1, 2022 – January 15, 2023
Utah November 1, 2022 – January 15, 2023
Virginia November 1, 2022 – January 15, 2023
West Virginia November 1, 2022 – January 15, 2023
Wisconsin November 1, 2022 – January 15, 2023
Wyoming November 1, 2022 – January 15, 2023

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 2023 Plans
California1 November 1, 2022 – January 31, 2023
Colorado2 November 1, 2022 – January 15, 2023
Connecticut3 November 1, 2022 – January 15, 2023
Idaho4 October 15, 2022 December 15, 2022
Kentucky5 November 1, 2022 – January 15, 2023
Maine6 November 1, 2022 – January 15, 2023
Maryland7 November 1, 2022 – January 15, 2023
Massachusetts8 November 1, 2022 – January 23, 2023
Minnesota9 November 1, 2022 – January 15, 2023
Nevada10 November 1, 2022 – January 15, 2023
New Jersey11 November 1, 2022 – January 31, 2023
New Mexico12 November 1, 2022 – January 15, 2023
New York13 November 16, 2022 – January 31, 2023
Pennsylvania14 November 1, 2022 – January 15, 2023
Rhode Island15 November 1, 2022 – January 31, 2023
Vermont16 November 1, 2022 – January 15, 2023
Washington DC*17 November 1, 2022 – January 31, 2023
Washington18 November 1, 2022 – January 15, 2023
*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:

    • 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. But, if you miss that 60-day window, you will have to wait until OEP to enroll in an individual health insurance policy for 2023.

If you missed the 2022 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 most states. Short-term health insurance plans might be a good, temporary 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 2023 begins in fall 2022.

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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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.

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 or 1-800-MEDICARE (TTY users should call 1- 844-704-7357), 24 hours a day/7 days a week, to get information on all of your options.

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.

46852a-HM-1022

© 2023 HealthMarkets Insurance Agency. All rights reserved.

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.

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 or 1-800-MEDICARE (TTY users should call 1- 844-704-7357), 24 hours a day/7 days a week, to get information on all of your options.

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.

46852a-HM-1022

© 2023 HealthMarkets Insurance Agency. All rights reserved.

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.

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 or 1-800-MEDICARE (TTY users should call 1- 844-704-7357), 24 hours a day/7 days a week, to get information on all of your options.

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.

46852a-HM-1022