When Is Open Enrollment for 2021?

When Is Open Enrollment for 2021?

The 2021 Open Enrollment Period begins November 1, 2020, and ends December 15, 2020,…Read More

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.

States Open Enrollment Dates for 2021
Alabama November 1, 2020 – December 15, 2020
Alaska November 1, 2020 – December 15, 2020
Arizona November 1, 2020 – December 15, 2020
Arkansas November 1, 2020 – December 15, 2020
California See chart below.
Colorado See chart below.
Connecticut November 1, 2020 – December 15, 2020
Delaware November 1, 2020 – December 15, 2020
Florida November 1, 2020 – December 15, 2020
Georgia November 1, 2020 – December 15, 2020
Hawaii November 1, 2020 – December 15, 2020
Idaho November 1, 2020 – December 15, 2020
Illinois November 1, 2020 – December 15, 2020
Indiana November 1, 2020 – December 15, 2020
Iowa November 1, 2020 – December 15, 2020
Kansas November 1, 2020 – December 15, 2020
Kentucky November 1, 2020 – December 15, 2020
Louisiana November 1, 2020 – December 15, 2020
Maine November 1, 2020 – December 15, 2020
Maryland November 1, 2020 – December 15, 2020
Massachusetts See chart below.
Michigan November 1, 2020 – December 15, 2020
Minnesota See chart below.
Mississippi November 1, 2020 – December 15, 2020
Missouri November 1, 2020 – December 15, 2020
Montana November 1, 2020 – December 15, 2020
Nebraska November 1, 2020 – December 15, 2020
Nevada See chart below.
New Hampshire November 1, 2020 – December 15, 2020
New Jersey See chart below.
New Mexico November 1, 2020 – December 15, 2020
New York See chart below.
North Carolina November 1, 2020 – December 15, 2020
North Dakota November 1, 2020 – December 15, 2020
Ohio November 1, 2020 – December 15, 2020
Oklahoma November 1, 2020 – December 15, 2020
Oregon November 1, 2020 – December 15, 2020
Pennsylvania See chart below.
Rhode Island See chart below.
South Carolina November 1, 2020 – December 15, 2020
South Dakota November 1, 2020 – December 15, 2020
Tennessee November 1, 2020 – December 15, 2020
Texas November 1, 2020 – December 15, 2020
Utah November 1, 2020 – December 15, 2020
Vermont November 1, 2020 – December 15, 2020
Virginia November 1, 2020 – December 15, 2020
Washington See chart below.
Washington DC See chart below.
West Virginia November 1, 2020 – December 15, 2020
Wisconsin November 1, 2020 – December 15, 2020
Wyoming November 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

States Extended Open Enrollment Dates for 2021
California November 1, 2020 – January 31, 2021
Colorado November 1, 2020 – January 15, 2021
Massachusetts November 1, 2020 – January 23, 2021
Minnesota November 1, 2020 – December 22, 2020
Nevada November 1, 2020 – January 15, 2021
New York November 1, 2020 – January 31, 2021
New Jersey November 1, 2020 – January 31, 2021
Pennsylvania November 1, 2020 – January 15, 2021
Rhode Island November 1, 2020 – January 23, 2021
Washington November 1, 2020 – January 15, 2021
Washington DC November 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.

State October 1 Effective Date Deadline November 1 Effective Date Deadline December 1 Effective Date Deadline
California September 30, 2020 October 31, 2020 November 31, 2020
Maryland October 15, 2020 November 15, 2020 December 15, 2020
New York* October 1, 2020 October 1/November 30, 2020 December 15, 2020
Washington DC September 30, 2020 October 31, 2020 November 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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