Open Enrollment Ahead Yield Sign; open enrollment dates

The 2020 Open Enrollment Period begins November 1, 2019, and ends December 15, 2019, for most states.

Some states are choosing 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 15, 2019
AlaskaNovember 1, 2019 – December 15, 2019
ArizonaNovember 1, 2019 – December 15, 2019
ArkansasNovember 1, 2019 – December 15, 2019
CaliforniaSee chart below.
ColoradoSee chart below.
ConnecticutNovember 1, 2019 – December 15, 2019
DelawareNovember 1, 2019 – December 15, 2019
FloridaNovember 1, 2019 – December 15, 2019
GeorgiaNovember 1, 2019 – December 15, 2019
HawaiiNovember 1, 2019 – December 15, 2019
IdahoNovember 1, 2019 – December 15, 2019
IllinoisNovember 1, 2019 – December 15, 2019
IndianaNovember 1, 2019 – December 15, 2019
IowaNovember 1, 2019 – December 15, 2019
KansasNovember 1, 2019 – December 15, 2019
KentuckyNovember 1, 2019 – December 15, 2019
LouisianaNovember 1, 2019 – December 15, 2019
MaineNovember 1, 2019 – December 15, 2019
MarylandNovember 1, 2019 – December 15, 2019
MassachusettsSee chart below.
MichiganNovember 1, 2019 – December 15, 2019
MinnesotaSee chart below.
MississippiNovember 1, 2019 – December 15, 2019
MissouriNovember 1, 2019 – December 15, 2019
MontanaNovember 1, 2019 – December 15, 2019
NebraskaNovember 1, 2019 – December 15, 2019
NevadaNovember 1, 2019 – December 15, 2019
New HampshireNovember 1, 2019 – December 15, 2019
New JerseyNovember 1, 2019 – December 15, 2019
New MexicoNovember 1, 2019 – December 15, 2019
New YorkSee chart below.
North CarolinaNovember 1, 2019 – December 15, 2019
North DakotaNovember 1, 2019 – December 15, 2019
OhioNovember 1, 2019 – December 15, 2019
OklahomaNovember 1, 2019 – December 15, 2019
OregonNovember 1, 2019 – December 15, 2019
PennsylvaniaNovember 1, 2019 – December 15, 2019
Rhode IslandSee chart below.
South CarolinaNovember 1, 2019 – December 15, 2019
South DakotaNovember 1, 2019 – December 15, 2019
TennesseeNovember 1, 2019 – December 15, 2019
TexasNovember 1, 2019 – December 15, 2019
UtahNovember 1, 2019 – December 15, 2019
VermontNovember 1, 2019 – December 15, 2019
VirginiaNovember 1, 2019 – December 15, 2019
WashingtonNovember 1, 2019 – December 15, 2019
Washington DCSee chart below.
West VirginiaNovember 1, 2019 – December 15, 2019
WisconsinNovember 1, 2019 – December 15, 2019
WyomingNovember 1, 2019 – December 15, 2019

The first day coverage begins is often called the effective date. Most states’ Open Enrollment 2020 deadline (December 15) matches up with an effective date of January 1. This means that, as long as you enroll by the December 15 deadline, your 2020 coverage will begin on January 1, 2020, the first day of the year.

When Is the Last Day to Buy a 2020 Plan in States With an Extended OEP?

Because some states extended their Open Enrollment Period deadlines, they have varying deadlines. The dates below are for states with an extended Open Enrollment Period.

StatesOpen Enrollment Dates for 2020
CaliforniaOctober 15, 2019 – January 31, 2020
ColoradoNovember 1, 2019 – January 15, 2020
MassachusettsNovember 1, 2019 – January 23, 2020
MinnesotaNovember 1, 2019 – December 23, 2019
New YorkNovember 1, 2019 – January 31, 2020
Rhode IslandNovember 1, 2019 – December 31, 2019
Washington DCNovember 1, 2019 – January 31, 2020

If you purchase your ACA plan during Open Enrollment, your coverage will start January 1, 2020. Coverage may not start until February 1, 2020, for those who sign up during a Special Enrollment Period, unless retroactive coverage is requested.

Can I Still Buy Health Insurance for 2019?

If you missed the 2019 Open Enrollment Period and you do not qualify for a Special Enrollment Period (SEP), you will have to wait until Open Enrollment begins for 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 2020 to get an individual health insurance policy.

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