Open Enrollment is November 1-January 15

• Enroll by December 15 for coverage that starts January 1

• Enroll by January 15 for coverage that starts February 1

Outside the yearly Open Enrollment, you can get coverage or change plans only if you:

• Have a life change or income that qualifies for a *Special Enrollment Period.

• Qualify for Medicaid or the Children's Health Insurance Program (CHIP). You can enroll any time of year and coverage can start immediately. Learn more about these programs.

*Special Enrollment Period: A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount.

Most people qualify for savings

Depending on your expected household income for the year, you may qualify for:

• Lower costs for your Marketplace plan, like the premium tax credit that lowers your monthly plan premium, and for extra savings on out-of-pocket costs like deductibles, copayments, and coinsurance. 

• Coverage through Medicaid or CHIP. Your children may qualify for CHIP, even if you don't qualify for Medicaid.

All Marketplace plans cover:

• *10 essential health benefits, including prescription drugs, emergency services, hospitalization, laboratory services, and mental health and substance use disorder services

• Free preventive health services at no cost to you when delivered by a doctor or provider in your plan's network

• Coverage for pre-existing conditions

*10 essential health benefits: 

Ambulatory patient services (outpatient care you get without being admitted to a hospital) 

Emergency services 

Hospitalization (like surgery and overnight stays) 

Pregnancy, maternity, and newborn care (both before and after birth) 

Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy) 

Prescription drugs 

Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills) 

Laboratory services 

Preventive and wellness services and chronic disease management 

Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits) 

Looking for coverage other than Marketplace? You have options!