Health Insurance Dates & Deadlines

With some health insurance plans, there are important dates and/or deadlines that you need to know. Not adhering to these dates and deadlines might result in not being able to get health insurance. Depending on where you live, there might be health plans that don’t follow these dates or deadlines. However, depending on your situation, you may or may not need a plan that follow these restrictions. We always recommend talking with a licensed and certified enrollment agent to assist with your quoting and enrollment..

November 1st (start of Open Enrollment)

The annual open enrollment period officially starts on November 1st. You can now shop, compare, get quotes, change coverage, and enroll into coverage for the following calendar year.

December 15th (end of Open Enrollment)

The annual open enrollment period closes at the end of day on December 15th. Unless you have a life qualifying event that gives you a special enrollment period, you can’t get an Affordable Care Act health insurance policy outside of the open enrollment dates.

January 1st (start of new calendar year)

Your Affordable Care Act (Obamacare) plan that you choose during open enrollment will be effective January 1st. These plans go off of the calendar year. There might be other options in your state that do not go off of the calendar year and that have more flexible start dates, which could be a better fit depending on your situation.

60 Days (special enrollment period)

Throughout the year, if you have a qualifying life event, you might qualify for a special enrollment period. This enrollment period lasts for 60 before and 60 days after the date of your qualifying event. Qualifying events can include birth or adoption, marriage or divorce, loss of other coverage, immigration status change, moving into the country; and more.