From November 1, 2025, the Open Enrollment Period (OEP) for 2025 is beginning. In most states, it ends by January 15, 2025.
The below chart shows the OEP date for the states where the Federal Health Marketplace policy was implemented. In this mode, the coverage begins from January 1st.
If you have a Special Enrollment Period then coverage of your policy begins from the first day of the month. In such cases, the signup date doesn't always start from the first day of the month.
For example, if you sign up on February 20 then your policy will start from March 1.
Alabama November 1, 2024 – January 15, 2025
Alaska November 1, 2024 – January 15, 2025
Arizona November 1, 2024 – January 15, 2025
Arkansas November 1, 2024 – January 15, 2025
Delaware November 1, 2024 – January 15, 2025
Florida November 1, 2024 – January 15, 2025
Hawai November 1, 2024 – January 15, 2025
Illinois November 1, 2024 – January 15, 2025
Indiana November 1, 2024 – January 15, 2025
Iowa November 1, 2024 – January 15, 2025
Kansas November 1, 2024 – January 15, 2025
Louisiana November 1, 2024 – January 15, 2025
Michigan November 1, 2024 – January 15, 2025
Mississippi November 1, 2024 – January 15, 2025
Missouri November 1, 2024 – January 15, 2025
Montana November 1, 2024 – January 15, 2025
Nebraska November 1, 2024 – January 15, 2025
New Hampshire November 1, 2024 – January 15, 2025
North Carolina November 1, 2024 – January 15, 2025
North Dakota November 1, 2024 – January 15, 2025
Ohio November 1, 2024 – January 15, 2025
Oklahoma November 1, 2024 – January 15, 2025
Oregon November 1, 2024 – January 15, 2025
South Carolina November 1, 2024 – January 15, 2025
South Dakota November 1, 2024 – January 15, 2025
Tennessee November 1, 2024 – January 15, 2025
Texas November 1, 2024 – January 15, 2025
Utah November 1, 2024 – January 15, 2025
West Virginia November 1, 2024 – January 15, 2025
Wisconsin November 1, 2024 – January 15, 2025
Wyoming November 1, 2024 – January 15, 2025
However, there are some states that have their own ACA exchange followed by a different date for the 2025 Open Enrollment Period.
The below chart shows the OEP dates for such states.
California November 1, 2024 – January 31, 2025
Colorado November 1, 2024 – January 15, 2025
Connecticut November 1, 2024 – January 15, 2025
Georgia November 1, 2024 – January 15, 2025
Idaho October 15, 2024 – December 16, 2025
Kentucky November 1, 2024 – January 15, 2025
Maine November 1, 2024 – January 15, 2025
Maryland November 1, 2024 – January 15, 2025
Massachusetts November 1, 2024 – January 23, 2025
Minnesota November 1, 2024 – January 15, 2025
Nevada November 1, 2024 – January 15, 2025
New Jersey November 1, 2024 – January 31, 2025
New Mexico November 1, 2024 – January 15, 2025
New York November 1, 2024 – January 31, 2025
Pennsylvania November 1, 2024 – January 15, 2025
Rhode Island November 1, 2024 – January 31, 2025
Vermont November 1, 2024 – January 15, 2025
Virginia November 1, 2024 – January 15, 2025
Washington DC November 1, 2024 – January 31, 2025
Washington November 1, 2024 – January 15, 2025
Yes, you can get health coverage even if you miss out on your state’s enrollment deadline. In such a case you can apply through a Special Enrollment Period (SEP) that makes you eligible to grab your health insurance.
You are eligible for SEP if you have been through qualifying life experiences or events. It can include:
In case you missed the 60 days of SEP from the date of qualification, then you have to apply for a new policy to get health coverage. The period to apply this new policy depends upon the qualifying circumstances of the individual.
Also, remember that If you missed those 60-day window priors, in such circumstances you have to wait until OEP to enroll for 2026.
The Open Enrollment Period (OEP) is essential for securing timely and effective healthcare coverage. Missing deadlines doesn’t mean all hope is lost, as Special Enrollment Periods (SEP) provide additional opportunities for coverage under qualifying circumstances.
Staying informed about state-specific deadlines and policies can save time and ensure uninterrupted health insurance benefits. One can check the enrollment date for healthcare insurance as per their respective states.
For more comprehensive insights, tips, and expert advice on healthcare insurance and AI, visit Alltius. Explore valuable resources to make informed decisions and optimize your healthcare insurance journey.
Request a demo today!
