The 2023 Open Enrollment Period (OEP) begins November 1, 2022 and ends January 15, 2023 in most states.
The chart below shows the 2023 dates of operation for states that use the ACA federal exchange. coverage begins January 1. If you have a special enrollment period, your coverage will begin the first day of the month after you enroll. For example, if you sign up on February 15, your coverage will be effective March 1.
Some states with their own exchanges here have different date ranges for the 2023 open enrollment period. The chart below shows the September and OEP dates for these states.
I missed my state’s open enrollment deadline. Can I still get health care coverage?
If you missed the enrollment deadline in your state, you may still qualify for a special enrollment period (September) that will allow you to apply for health insurance. You may qualify for a SEP if you have experienced a qualifying life event. qualifying life events may include:
- loss of health insurance through a job.
- changes in the home such as marriage, divorce, death in the family, or having a baby.
- a change in your home address.
view a list of qualifying life events. you have 60 days to enroll in a plan, if you qualify for a sep. But, if you miss that 60-day window, you’ll have to wait until the OEP to sign up for an individual health insurance policy for 2023.
If you missed the 2022 open enrollment period in your state and don’t qualify for a sep, you can apply for a short-term health insurance plan. Short-term health insurance coverage can be purchased outside of OEP for up to 364 days, and you can reapply for short-term coverage for up to 36 months in most states. Short-term health insurance plans can be a good temporary option for healthy people, as they won’t cover pre-existing conditions like Affordable Care Act (ACA) plans.
If you don’t qualify for a sep and decide not to apply for a short-term health plan, you’ll have to wait until 2023 open enrollment begins in the fall of 2022.
healthmarkets can help you determine if you qualify for special insurance and find an individual health plan that meets your needs. shop, compare and enroll in a health plan online or call us at .