The Open Enrollment Period for 2016 health insurance started November 1, 2015. If you enroll by December 15, your new coverage can start January 1, 2016.
If you still need to enroll in (or change) insurance for the rest of 2015, you may have options.
3 ways to enroll in or change plans for the rest of 2015
- Special Enrollment Periods. In some cases you can still buy a health plan that covers you through the end of 2015. You can do this if you have a life event that qualifies you for a Special Enrollment Period – like getting married, having a baby, or losing health coverage. For some, coverage can start December 1. If you have or adopt a baby, your coverage can start the day of the event, even if you enroll up to 60 days afterwards. If you have an insurance plan already and qualify for a Special Enrollment Period, you can change 2015 plans under the same rules. Any 2015 coverage you enroll in or change to during 2015 ends December 31, 2015.
- Medicaid and the Children’s Health Insurance Program (CHIP). You can apply for free or low-cost coverage through Medicaid and CHIP any time, all year. If you qualify you can enroll immediately.
- Opportunities for Indian tribes and Alaska Natives. Members of federally recognized tribes and Alaska Native shareholders can enroll in Marketplace coverage any time of year. They can change plans as often as once a month.