Open enrollment for health insurance is also known as the open enrollment period, or OEP. It happens annually and the dates can be different for you depending on how you get your health insurance coverage.
When is Open Enrollment for Health Insurance?
Open enrollment for health insurance happens once a year. The exact dates can vary depending on how you buy your health insurance or the State you live in. Some States make up their own rules for the open enrollment dates. Because of this, double check these dates with a trusted agent when you are getting a health insurance quote. If you’re unsure which open enrollment period is applicable to you, check with your health insurance agent.
If you get your health insurance through “The Marketplace”, then your open enrollment is from November 1st through December 15th each year. Depending on the State you live in, this time period might be larger. However, you will have at least November 1st through December 15th as your open enrollment period. During this time you can enroll if you haven’t had health insurance. You can also make changes to your existing coverage. If your current plan isn’t available for the next year, then this is your opportunity to choose a new one. Get a health insurance quote to make sure you aren’t paying more than you should be.
If you get your coverage through your employer, then the open enrollment for your group health insurance can vary. Technically your employer can choose when the open enrollment period is. However, its usually the same time each year and most have it towards the end of the calendar year. Check with your employer or benefit administrator for questions about your group health insurance.
If you get your health insurance through a state Medicaid program, then your open enrollment is all year. Medicaid programs are almost always available to enroll in and make changes to throughout the year, as long as you are eligible. Historically, medicaid programs have been for low income pregnant women and children. However, some states have “expanded medicaid” to others that are low income, not just for pregnant women and children. For eligibility and enrolling, you must contact the government department in your state that handles medicaid. If you’re unsure if you qualify, you can request a health insurance quote to receive advice from a licensed agent.