When is open enrollment for federal marketplace plans in 2024?
Open enrollment for the 2024 calendar year for the federal marketplace (a.k.a. Affordable Care Act or ACA plans) starts November 1, 2023, and ends January 15, 2024.
Certain states have their own healthcare marketplaces and may have a different or extended open enrollment window. These states include:
- District of Columbia
- New Jersey
- New Mexico
- New York
- Rhode Island
When is open enrollment for Medicare?
Medicare’s Annual Enrollment Period (AEP) takes place October 15 through December 7, 2023. During this period, you can sign up for a new plan or change your coverage. Additionally, you can enroll in Medicare three months before or three months after you become eligible at age 65.
When it comes to Medicare, there are other enrollment periods that may apply to your situation. Consult the Medicare website for more guidance.
When is open enrollment for Medicaid?
If you’re eligible, you can apply for Medicaid at any time. Medicaid eligibility varies by state, but the program is typically available to:
- Senior citizens
- People with disabilities
- Pregnant individuals
- Low-income families
Special enrollment period (SEP)
Life changes happens, and your insurance can change too. Qualifying Life Events (QLEs) are circumstances or changes in your life that can have an impact on your insurance coverage. If you experience a QLE, you can take advantage of a special enrollment period (SEP) to adapt your insurance to your life.
The types of events that count as “qualifying” may differ depending on where you live and your provider. However, QLEs generally include:
- Getting married or divorced, adopting or giving birth, providing foster care, or making other additions to your household.
- Moving, as long as it’s to a different zip code, state, or country.
- A change in eligibility, like new citizenship, release from incarceration, income changes, or becoming recognized as an Indigenous tribe member.
- Sudden loss of health insurance due to aging out of parents’ coverage, a job loss, or a change in income.
Typically, you have a limited period to enroll or modify your coverage — usually 30 – 60 days before or after the qualifying event.
If you think you’re eligible for a QLE, speak to your HR representative about your employer’s group insurance benefits, or you can apply at HealthCare.gov for individual insurance.
What if I missed open enrollment?
If you happen to miss the open enrollment 2024 deadline and are not eligible for a special enrollment period, you still have options. If your state offers it, you can purchase short-term health insurance to cover you and your family until the next open enrollment. You can also see if you qualify for Medicaid or the Children’s Health Insurance Program (CHIP), since both offer enrollment at any time.
Ready for open enrollment?
Whether you’re preparing for the next open enrollment period or hoping to qualify for a special enrollment period, there are a few steps you should take to prepare for the 2024 season:
- Research your provider and plan options.
- Familiarize yourself with important insurance terms.
- Ask yourself important insurance questions related to your lifestyle to help you figure out what kind of coverage you need.