A quick guide to the Health Insurance Marketplace®
When can you get health insurance?
Important dates
- November 1: Open Enrollment starts for health coverage for the next plan year — first day you can enroll in, re-enroll in, or change health plans through the Marketplace. 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 health plans for the year. After this date, you can enroll in or change plans only if you qualify for a .
- February 1: Coverage starts for those who enroll in or change plans December 16 through January 15 and pay their first premium.
Still need coverage for the rest of the year?
You can get health coverage for the rest of the year if you qualify for:
- A due to a recent, like losing other coverage, moving, getting married, or having a baby.
- , the, or based on estimated household income.
Get deadline reminders
- Sign up for emails so you never miss important information.
- You can also download this checklist (PDF, 189 KB) to make sure you have everything you’ll need to apply.