A quick guide to the Health Insurance Marketplace®
When can you get health insurance?
- November 1: Open Enrollment starts — first day you can enroll in, renew, or change health plans through the Marketplace for the coming year. Coverage can start as soon as January 1.
- December 15: Last day to enroll in or change plans for coverage to start January 1.
- January 1: Coverage starts for those who enroll in or change plans by December 15 and pay their first premium.
- January 15: Open Enrollment ends — last day to enroll in or change Marketplace health plans for the year. After this date, you can enroll in or change plans only if you qualify for a Special Enrollment Period.
- February 1: Coverage starts for those who enroll in or change plans December 16 through January 15 and pay their first premium.
Get coverage between January 16 and October 31 if you qualify for a
due to a
. You can apply for free or low-cost coverage through
or the
at any time.
What do you want to do next?
- Preview plans and prices.
- Sign up for emails to get reminders and never miss important information.
- Download a checklist (PDF, 251 KB) to gather everything you need to apply.
- Learn more about: