When Is Open Enrollment for 2023?

In most states, the 2023 Open Enrollment Period (OEP) runs from November 1, 2022, through January 15, 2023. The states that utilise the federal ACA exchange are listed in the chart below as having OEP dates in 2023. Streaming starts on January 1. The first day of the month following your enrollment, if you have a Special Enrollment Period, is when your coverage will start. For instance, your coverage will begin on March 1 if you enrol on February 15.

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The dates for the 2023 Open Enrollment Period vary in several states with independent ACA exchanges. The SEP and OEP dates for these states are displayed in the chart below.

FAQs Open Enrollment

I missed the deadline for open enrollment in my state. Can I Still Get Medical Insurance?

Even if you missed your state’s enrollment cutoff date, you might still be eligible for a Special Enrollment Period (SEP) during which you can submit an application for health insurance. If you have gone through a qualifying life event, you may be eligible for a SEP. Events in your life that qualify include:

• the termination of health insurance provided by an employment
• changes in the household, including marriage, divorce, a death in the family, or the birth of a child.
• a shift in your residential address.

View a list of life events that qualify. If you meet the requirements for a SEP, you have 60 days to enrol in a plan. However, you will have to wait until OEP to sign up for an individual health insurance policy for 2023 if you miss that 60-day window.

You can apply for a short-term health insurance plan if you are not eligible for a SEP and you missed your state’s 2022 Open Enrollment Period. In most states, you can reapply for short-term coverage for up to 36 months and obtain short-term health insurance coverage outside of OEP for up to 364 days. Given that they do not cover pre-existing conditions like Affordable Care Act (ACA) policies, short-term health insurance plans may be a suitable, temporary option for healthy individuals.

If you decide against applying for a short-term health plan because you are not eligible for a SEP, you will have to wait until Open Enrollment 2023 starts in the fall of 2022.

You can use HealthMarkets to discover an individual health plan that suits your needs and to ascertain whether you are eligible for a SEP. Call us at (800) 304-3414 to shop, compare, and enrol in a health plan.