Yearly, most sorts of insurance coverage could have open enrollment durations that final a number of weeks – normally from November 1 to January 15. The timeframe could differ for states with their very own well being marketplaces.

There are just a few methods you possibly can join protection:

• By means of your employer
• By way of Medicare (in case you are of retirement age)
• By means of the federal government healthcare market (Healthcare.gov)
• Instantly by an insurance coverage firm
• By working with a medical health insurance dealer

Throughout open enrollment, you possibly can:

• Join a brand new medical health insurance plan, or different types of protection like dental, imaginative and prescient, or life insurance coverage
• Make adjustments to your present plan if it’s good to improve protection quantities or add members of the family and dependents
• Join or make adjustments to your versatile spending account (FSA) or well being financial savings account (HSA)

Does open enrollment differ by state?

What’s open enrollment like for different states? For many states, OEP for 2024 well being plans begins November 1, 2023, and ends January 15, 2024.¹ This offers you simply round 11 weeks to enroll. Nonetheless, in order for you protection starting January 1, 2024, you’ll have to enroll by December 15, 2023. When you enroll between December 16, 2023, and January 15, 2024, your protection will start February 1, 2024 as an alternative.

Not all states have these identical deadlines as they handle their very own well being marketplaces. Within the case you reside in any of the next states, you’ll wish to make sure you enroll by the deadlines beneath:

• California: November 1-January 31
• Massachusetts: November 1-January 23
• New Jersey: November 1-January 31
• New York: November 16-January 31
• Rhode Island: November 1-January 31
• Washington, D.C.: November 1-January 31

Right here’s a whole listing of states with differing OEPs.