A quick guide to the Health Insurance Marketplace

Dates & deadlines for 2016 health insurance

Enroll, renew, or change plans for 2016

Important dates for 2016 enrollment

  • November 1, 2015: Open Enrollment started — first day you can enroll in a 2016 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2016.
  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

If you don’t enroll in a 2016 health insurance plan by January 31, 2016, you can’t enroll in a health insurance plan for 2016 unless you qualify for a Special Enrollment Period.

See if you qualify for savings right now

Before you apply, you can quickly see if you’ll qualify for savings based on your income. Most people who apply do qualify — this year, about 8 in 10 of the uninsured eligible for Marketplace coverage qualify for savings that lower the cost of their monthly premiums.

Medicaid & CHIP – apply any time