If you are looking for health insurance, you may have heard about the Open Enrollment Period. Open enrollment is an opportunity for you to stop, start, or change your health insurance.

For Affordable Care Act insurance plans, open enrollment runs from November 15th to January 15th. However, you’ll need to sign up by December 15th for coverage to start on January 1st. It’s important to note that open enrollment for health insurance can vary depending on the state.

What is open enrollment?

Open enrollment for health insurance refers to a specified period when you can stop, start, or change health care coverage. If you do not have health insurance, this is an opportunity for you to look at different plans and select one. If your health needs have changed, this is an opportunity for you to switch your health insurance plan from your current one to one that better suits your current needs.

When does open enrollment begin?

Generally, the federal open enrollment period for health insurance starts on November 1.

When does open enrollment end?

Usually, open enrollment ends on January 15th, but it can vary slightly depending on the plan you choose. Note that in order to have healthcare coverage by January 1st, you’ll need to enroll by December 15th.

Open Enrollment by State

For state-run marketplaces, there may be different enrollment dates.

Check the chart below for specific information about the open enrollment periods in your state or to start comparing health insurance plans in your state:

Open Enrollment 2025 Dates by State

State Name	Open Enrollment Period for 2025 Coverage
Alabama	November 1, 2024 through January 15, 2025. (By December 15, 2024 for coverage starting on January 1, 2024)
Alaska	November 1, 2024 through January 16, 2024. (By December 15, 2024 for coverage starting on January 1, 2025)
Arizona	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Arkansas	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
California	November 1, 2024 through January 31, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Colorado	November 1, 2024 through January 15, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Connecticut	November 1, 2024 through January 15, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Delaware	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Florida	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Georgia	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Hawaii	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Idaho	October 15, 2024 through December 15, 2024 for coverage starting on January 1, 2025.
Illinois	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Indiana	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Iowa	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Kansas	November 1, 2024 through January 16, 2024. (By December 15, 2024 for coverage starting on January 1, 2025)
Kentucky	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Louisiana	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Maine	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Maryland	November 1, 2024 through January 15, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Massachusetts	November 1, 2024 through January 23, 2025. (By December 23, 2024 for coverage starting on January 1, 2025)
Michigan	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Minnesota	November 1, 2024 through January 15, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Mississippi	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Missouri	November 1, 2024 through January 16, 2025. (By December 23, 2024 for coverage starting on January 1, 2025)
Montana	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Nebraska	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Nevada	November 1, 2024 through January 15, 2025. (By December 31, 2024 for coverage starting on January 1, 2025)
New Hampshire	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
New Jersey	November 1, 2024 through January 31, 2025. (By December 31, 2024 for coverage starting on January 1, 2025)
New Mexico	November 1, 2024 through January 15, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
New York	November 16, 2024 through January 31, 2025 (By December 15, 2024 for coverage starting on January 1, 2025).
North Carolina	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
North Dakota	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Ohio	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Oklahoma	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Oregon	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Pennsylvania	November 1, 2024 through January 15, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Rhode Island	November 1, 2024 through January 31, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
South Carolina	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
South Dakota	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Tennessee	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Texas	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Utah	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Vermont	November 1, 2024 through January 15, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Virginia	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Washington	November 1, 2024 through January 15, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Washington DC	November 1, 2024 through January 31, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
West Virginia	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Wisconsin	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)
Wyoming	November 1, 2024 through January 16, 2025. (By December 15, 2024 for coverage starting on January 1, 2025)

<sub>Your “effective date” refers to the date when you can start to use your new health insurance plan.
The effective date for a health insurance plan bought during the national open enrollment period is January 1st of the following year.

Please note that if you enroll in health insurance in a state that has extended its open enrollment period, the effective date of your coverage will vary based on when you apply.</sub>