2024 Open Enrollment Guide for ACA & Health Plans Info

For Members

Table of Contents

2024 Open Enrollment Periods: Why can't I enroll in health coverage whenever I want? How Do Open Enrollment Periods Vary? Can I Make Changes to my Coverage Outside of Open Enrollment?

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When referring to health care/health insurance, the open enrollment period is the time of the year when you or your employees can sign up or make changes to their existing health insurance plans.

2024 Open Enrollment Periods:

For the Affordable Care Act (ACA) marketplace, the open enrolment period starts on November 1, 2023 and ends on January 16, 2024. That being said, some states' open enrollment periods vary. Those states' open enrollment periods are listed below:

2024 Open Enrollment Periods

State Open Enrollment Period
California November 1, 2023 – January 31, 2024
Colorado November 1, 2023 – January 15, 2024
Connecticut November 1, 2023 – January 16, 2024
Idaho October 15, 2023 – December 15, 2023
Kentucky November 1, 2023 – January 15, 2024
Maine November 1, 2023 – January 15, 2024
Maryland November 1, 2023 – January 15, 2024
Massachusetts November 1, 2023 – January 23, 2024
Minnesota November 1, 2023 – January 15, 2024
Nevada November 1, 2023 – January 15, 2024
New Jersey November 1, 2023 – January 31, 2024
New Mexico November 1, 2023 – January 15, 2024
New York November 1, 2023 – January 31, 2024
Pennsylvania November 1, 2023 – January 15, 2024
Rhode Island November 1, 2023 – January 31, 2024
Vermont November 1, 2023 – January 15, 2024
Washington DC November 1, 2023 – January 31, 2024
Washington November 1, 2023 – January 15, 2024

Why can't I enroll in health coverage whenever I want?

Health insurance providers offer open enrollment periods to avoid people enrolling in a plan only when they're sick and then dropping it when they are healthy. If this were the case, there wouldn't be enough healthy people paying premiums to cover the medical costs of individuals when they are sick.

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How Do Open Enrollment Periods Vary?

Open enrollment periods often vary based on the type of coverage offered. The classifications of coverage with different open enrollment periods are as follows:

Can I Make Changes to my Coverage Outside of Open Enrollment?

Yes, however, you must meet one of the following qualifying life events:

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