Insurance

When can I enroll in private health plan coverage through the Marketplace? | KFF

Generally, you can only enroll in non-group health plan coverage during the open enrollment period.

For 2023 coverage, the open enrollment period in healthcare.gov states begins November 1, 2022 and ends January 15, 2023 (Pacific Time). If you plan to enroll, be sure to complete your application and select your plan before open enrollment ends. If you want coverage to be effective January 1, 2023, be sure to sign up no later than December 15, 2022. If you sign up after December 15, your 2023 coverage will be effective February 1.

Reading: When can i enroll for health insurance

Once the open enrollment period ends, most individuals and families won’t be able to enroll in Marketplace health plans until the next open enrollment period. however, if you experience certain changes in circumstances during the year, you will have a special 60-day opportunity to enroll in Marketplace health plans outside of the open enrollment period.

American Indians and Alaskan Natives can enroll in Marketplace coverage year-round, not just during open enrollment.

In addition, in 2023, people with incomes up to 150% of the federal poverty level will be able to enroll year-round in healthcare.gov states.

State marketplaces can set their own dates and several will have a longer open enrollment period for 2023 coverage, while one state will start earlier. State administered open enrollment dates are as follows:

california November 1, 2022 – January 31, 2023

colorado November 1, 2022 – January 15, 2023

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connecticut November 1, 2022 – January 15, 2023

district of columbia November 1, 2023 – January 31, 2023

idaho Oct 15, 2022 – Dec 15, 2022

kentucky Nov 1, 2022 – Jan 15, 2023

maine November 1, 2022 – January 15, 2023

maryland November 1, 2022 – January 15, 2023

massachusetts November 1, 2022 – January 23, 2023

minnesota November 1, 2022 – January 15, 2023

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nevada November 1, 2022 – January 15, 2023

new jersey November 1, 2022 – January 31, 2023

new mexico November 1, 2022 – January 15, 2023

new york november 1, 2022 – january 31, 2023

pennsylvania November 1, 2022 – January 15, 2023

rhode island November 1, 2022 – January 31, 2023

vermont November 1, 2022 – January 15, 2023

Washington November 1, 2022 – January 15, 2023

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