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Health Insurance Marketplace & Open Enrollment

Health Insurance Marketplace & Open Enrollment


If you don’t have insurance through your employer or through Medicare, chances are you will get it through Marketplace Open Enrollment 2020.

What is Open Enrollment?

Your state has a Health Insurance Marketplace where you can enroll in a health insurance plan called Open Enrollment. Open Enrollment happens every year usually from November 15th – December 15th. During this period, you and your family can join a health insurance plan. Some states have a different deadline, make sure you know your State’s Open Enrollment period.

How to Pick a Health Insurance Plan


Resources on Open Enrollment and Health Insurance Marketplace

Find out what information you need before applying for insurance. Make sure you have all of this information before you start in order to make this process as fast as possible.

Find out if your medication is covered. Each health insurance plan has a list of covered drugs, known as a formulary. Read our step-by-step instructions on how to find out if your prescription is on a plan’s formulary.

Find out what out-of-pocket costs you’re responsible for. Your health insurance plan’s deductible, copayment, coinsurance, and out-of-pocket maximum determine how much you will end up paying for care. Learn more about each of these factors.

Find out if you should expect a delay in getting your prescription. Find out if your medication requires prior authorization. If it does, your healthcare provider must fax a request to the insurance company for approval before you can pick it up from the pharmacy.

Learn about the various financial assistance programs available. There are several ways that you can find financial assistance to help cover your out-of-pocket costs.

Avoid plans with a copay accumulator adjuster program. These programs, which can be found in some health insurance plans, do not allow copay cards to go towards your final deductible. Learn more about copay accumulator adjuster programs.

Have a complaint about your health insurance company? Learn more about the role of Insurance Commissioners and learn how to file a complaint.

Other Resources

This detailed list of FAQs about the Marketplace and Health Reform will help you understand the Affordable Care Act, Marketplace eligibility, enrollment processes, and the costs and benefits of plans.

With this interactive Subsidy Calculator, you will be able to enter in information about your household and find estimates of your premiums and subsidies in the Marketplace.

The Healthcare.gov Glossary includes healthcare and insurance terms may be useful if you want an explanation of any words or phrases throughout the open enrollment period.

When is Open Enrollment and where do I sign up?

State Open Enrollment Period Marketplace Website Type of Marketplace
Alabama November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Alaska November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Arizona November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Arkansas November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov State-Based Federal Platform
California October 15, 2019 to January 31, 2020 Sign up at Covered California State Based
Colorado November 1, 2019 to January 15, 2020 Sign up at Connect for Health Colorado State Based
Connecticut November 1, 2019 to December 15, 2019 Sign up at AccessHealthCT State Based
Delaware November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov State-Federal Patnership Platform
District of Columbia November 1, 2019 to January 31, 2020 Sign up at DC Health Link State Based
Florida November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Georgia November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Hawaii November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Idaho November 1, 2019 to December 16, 2019 Sign up at Your Health Idaho State Based
Illinois November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov State-Federal Patnership Platform
Indiana November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Iowa November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov State-Federal Patnership Platform
Kansas November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Kentucky November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov State-Based Federal Platform
Louisiana November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Maine November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Maryland November 1, 2019 to December 15, 2019 Sign up at Maryland Health Connection State Based
Massachusetts November 1, 2019 to January 23, 2020 Sign up at Massachusetts Health Connector State Based
Michigan November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov State-Federal Patnership Platform
Minnesota November 1, 2019 to December 23, 2019 Sign up at MN Sure State Based
Mississippi November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Missouri November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Montana November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Nebraska November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Nevada November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov State-Based Federal Platform
New Hampshire November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov State-Federal Patnership Platform
New Jersey November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
New Mexico November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov State-Based Federal Platform
New York November 1, 2019 to January 31, 2020 Sign up at NY State of Health State Based
North Carolina November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
North Dakota November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Ohio November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Oklahoma November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Oregon November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov State-Based Federal Platform
Pennsylvania November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Puerto Rico No Deadline Sign up at Puerto Rico Marketplace
Rhode Island November 1, 2019 – December 31, 2019 Sign up at Health Source RI State Based
South Carolina November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
South Dakota November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Tennessee November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Texas November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Utah November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Vermont November 1, 2019 to December 15, 2019 Sign up at Vermont Health Connect State Based
Virginia November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Washington November 1, 2019 to December 15, 2019 Sign up at Washington Health Benefit Exchange State Based
West Virginia November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov State-Federal Patnership Platform
Wisconsin November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based
Wyoming November 1, 2019 to December 15, 2019 Sign up at HealthCare.gov Federal Based