Q. What is the deadline to enroll in ACA-compliant health insurance coverage for 2023 in the individual market?
a. open enrollment for 2023 health coverage begins in almost all states on november 1, 2022. (some exceptions: starts october 15 in idaho and november 16 in new york and california , open enrollment begins November 1 but existing members can begin renewing their coverage beginning October 1).
In most states, open enrollment for 2023 coverage will end on January 15, 2023.
And in most states, December 15 is the deadline to get a plan that goes into effect January 1; registrations completed in the second half of December and the first half of January are effective on February 1.
Open enrollment used to end on December 15 in most states, but the Biden administration added a one-month extension that took effect for the 2022 plan year and will continue to be used going forward. this applies to all 33 states that use healthcare.gov. the other 17 states and dc are free to follow that same schedule, most do, or set their own schedule.
Whole state exchanges are the only ones that have the ability to extend open enrollment on their own (in all other states the decision must come from cms as the extension must be issued through healthcare.gov), and most of them have chosen to do it every year. But now that HHS has extended the healthcare.gov deadline to January 15 for 2022 and future years, many of the state exchanges are using that date instead of issuing additional extensions.
outside the open registration window here, registration is only available with a qualifying event
After open enrollment ends, people can typically only purchase coverage if they have a special enrollment period triggered by a qualifying event such as:
- marriage (since 2017, this generally only applies if at least one of the spouses already had coverage before the wedding, although there are some exceptions),
- becoming a member of the ee uu. citizen,
- birth or adoption,
- involuntary loss of other health coverage.
- permanent move to an area where new health plans are available (from July 2016 , this only applies in most cases if you already had coverage before you moved).
- here is a complete guide to qualifying events in the individual market and their associated special enrollment periods .
Regardless of whether you purchase insurance through the Exchange or outside of the Exchange, the annual open enrollment window applies and special enrollment periods are required to enroll at any other time of the year.
open enrollment hours have varied over time
Although open enrollment is now set from November 1 to January 15 in most states, it has varied quite a bit over the years. In federally run markets, the following enrollment windows have been used (with some last-minute extensions and with slightly different hours used by state-run markets):
- 2014 coverage: from October 1, 2013 to March 31, 2014
- 2015 coverage: from March 15, November 2014 to February 15, 2015
- 2016 coverage: November 1, 2015 to January 31, 2016
- coverage 2017: from November 1, 2016 to January December 31, 2017
- 2018 coverage: from November 1, 2017 to December 15, 2017
- 2019 coverage: November 1, 2018 through December 15, 2018
- 2020 coverage: December 1, November 2019 through December 15, 2019
- 2021 coverage: November 1, 2020 through December 15, 2020
- 2022 coverage: November 1, 2021 to January 15, 2022
- 2023 coverage: November 1, 2022 to January 15, 2023
Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinion pieces and educational articles on the Affordable Care Act for healthinsurance.org. Ella’s updates from the state health insurance market are regularly cited by the media covering health reform and by other health insurance experts.