The 2024 Open Enrollment Period (OEP) begins November 1, 2023, and ends usually January 15, 2024, in most states. Because January 15 falls on a federal holiday in 2024, OEP will extend until midnight, January 16 in many states. 1
The chart below shows the 2024 OEP dates for the states that use the federal ACA exchange. Coverage begins January 1.
If you have a Special Enrollment Period, coverage will begin the first day of the month after you sign up. For example, if you sign up on February 15, your coverage will be effective March 1.
States | Federal Open Enrollment Period for 2024 Plans |
Alabama | November 1, 2023 – January 16, 2024 |
Alaska | November 1, 2023 – January 16, 2024 |
Arizona | November 1, 2023 – January 16, 2024 |
Arkansas | November 1, 2023 – January 16, 2024 |
Delaware | November 1, 2023 – January 16, 2024 |
Florida | November 1, 2023 – January 16, 2024 |
Georgia | November 1, 2023 – January 16, 2024 |
Hawaii | November 1, 2023 – January 16, 2024 |
Illinois | November 1, 2023 – January 16, 2024 |
Indiana | November 1, 2023 – January 16, 2024 |
Iowa | November 1, 2023 – January 16, 2024 |
Kansas | November 1, 2023 – January 16, 2024 |
Louisiana | November 1, 2023 – January 16, 2024 |
Michigan | November 1, 2023 – January 16, 2024 |
Mississippi | November 1, 2023 – January 16, 2024 |
Missouri | November 1, 2023 – January 16, 2024 |
Montana | November 1, 2023 – January 16, 2024 |
Nebraska | November 1, 2023 – January 16, 2024 |
New Hampshire | November 1, 2023 – January 16, 2024 |
North Carolina | November 1, 2023 – January 16, 2024 |
North Dakota | November 1, 2023 – January 16, 2024 |
Ohio | November 1, 2023 – January 16, 2024 |
Oklahoma | November 1, 2023 – January 16, 2024 |
Oregon | November 1, 2023 – January 16, 2024 |
South Carolina | November 1, 2023 – January 16, 2024 |
South Dakota | November 1, 2023 – January 16, 2024 |
Tennessee | November 1, 2023 – January 16, 2024 |
Texas | November 1, 2023 – January 16, 2024 |
Utah | November 1, 2023 – January 16, 2024 |
Virginia | November 1, 2023 – January 16, 2024 |
West Virginia | November 1, 2023 – January 16, 2024 |
Wisconsin | November 1, 2023 – January 16, 2024 |
Wyoming | November 1, 2023 – January 16, 2024 |
Some states with their own ACA exchanges have different date ranges for the 2023 Open Enrollment Period. The chart below shows the SEP and OEP dates for these states.
State | State Open Enrollment Period for 2024 Plans | ||||||||
California 2 | November 1, 2023 – January 31, 2024 | ||||||||
Colorado 3 | November 1, 2023 – January 15, 2024 | ||||||||
Connecticut 4 | November 1, 2023 – January 16, 2024 | ||||||||
Idaho 5 | October 15, 2023 – December 15, 2023 | ||||||||
Kentucky 6 | November 1, 2023 – January 15, 2024 | ||||||||
Maine 17 | November 1, 2023 – January 15, 2024 | ||||||||
Maryland 7 | November 1, 2023 – January 15, 2024 | ||||||||
Massachusetts 8 | November 1, 2023 – January 23, 2024 | ||||||||
Minnesota 9 | November 1, 2023 – January 15, 2024 | ||||||||
Nevada 10 | November 1, 2023 – January 15, 2024 | ||||||||
New Jersey 11 | November 1, 2023 – January 31, 2024 | ||||||||
New Mexico 12 | November 1, 2023 – January 15, 2024 | ||||||||
New York 18 | November 1, 2023 – January 31, 2024 | ||||||||
Pennsylvania 13 | November 1, 2023 – January 15, 2024 | ||||||||
Rhode Island 19 | November 1, 2023 – January 31, 2024 | ||||||||
Vermont 14 | November 1, 2023 – January 15, 2024 | ||||||||
Washington DC 15* | November 1, 2023 – January 31, 2024 | ||||||||
Washington 16 | November 1, 2023 – January 15, 2024 | ||||||||
*In Washington, DC, residents can have coverage effective immediately. For example, if residents sign up by June 30, they can choose for their coverage to begin on either June 1 or July 1. |
If you missed the enrollment deadline in your state, it is still possible that you can qualify for a Special Enrollment Period (SEP) that will allow you to apply for health insurance.
You can qualify for an SEP if you have experienced a qualifying life event.
Qualifying life events can include: 20
See a list of qualifying life events. You have 60 days to enroll in a plan, if you qualify for an SEP. 21 But, if you miss that 60-day window, you will have to wait until OEP to enroll in an individual health insurance policy for 2024.
If you missed the 2023 Open Enrollment Period in your state and you do not qualify for an SEP, you can apply for a short-term health insurance plan.
If you do not qualify for an SEP and decide not to apply for a short-term health plan, you will have to wait until Open Enrollment 2024 begins in fall 2023.
HealthMarkets can help you determine whether you qualify for an SEP and find an individual health plan that meets your needs. Shop, compare, and enroll in a health plan online or call us at (800) 827-9990 .
Your dentist’s assistant just announced that you’re due for X-rays today — and now you’re wondering why your dentist needs to take pictures of your teeth if they’re going to be digging around in your mouth anyway. Glad you asked. Dental X-rays can reveal quite a bit about what’s going on inside your mouth and […]
Here’s something you can look forward to this year: an end to unexpected, or “surprise,” medical bills. That’s thanks to the new federal No Surprises Act, which took effect January 1, 2022. “Many people reasonably assume that they won’t get billed by some random provider they had no role in choosing. So they may not […]
Wondering how to be a good patient after getting discharged from the emergency room? Do everything you can to avoid another ER visit. While not every repeat ER visit is preventable, many are. In this article, you’ll learn 10 ways to be a good patient after you’re discharged. 5 facts about repeat hospital ER visits […]
View more articles© 2024 HealthMarkets Insurance Agency. All rights reserved.
* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.
Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.
HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.
This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.
© 2024 HealthMarkets Insurance Agency. All rights reserved.
* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.
Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.
HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.
This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.
© 2024 HealthMarkets Insurance Agency. All rights reserved.
* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.
Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.
HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.
This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.