Calendar
Open enrollment dates by state
Starting with plan year 2027, the federal Open Enrollment Period is shortened to Nov 1 – Dec 15 under the 2025 Marketplace Integrity Rule, and no state may extend past Dec 15. A few State-Based Exchanges (Georgia, Idaho) open earlier on Oct 15.
No cost, no obligation. Brokers are paid by the carrier and can compare plans side-by-side for your situation.
Request a broker →Federal Open Enrollment Period (HealthCare.gov)
Under the 2025 Marketplace Integrity & Affordability Final Rule, the federal OEP is shortened to a single 45-day window. All 27 FFM states close enrollment on Dec 15, 2026, with coverage starting Jan 1, 2027.
State-Based Exchange windows
| State / Exchange | Window | Notes |
|---|---|---|
| California (Covered California) | Nov 1 – Dec 15 | — |
| Colorado (Connect for Health) | Nov 1 – Dec 15 | — |
| Connecticut (Access Health CT) | Nov 1 – Dec 15 | — |
| District of Columbia (DC Health Link) | Nov 1 – Dec 15 | Year-round enrollment for individuals continues outside OEP. |
| Georgia (Georgia Access) | Oct 15 – Dec 15 | Georgia Access opens early on Oct 15. |
| Idaho (Your Health Idaho) | Oct 15 – Dec 15 | Tied with Georgia for earliest OEP start. |
| Kentucky (kynect) | Nov 1 – Dec 15 | — |
| Maine (CoverME.gov) | Nov 1 – Dec 15 | — |
| Maryland (Maryland Health Connection) | Nov 1 – Dec 15 | — |
| Massachusetts (MA Health Connector) | Nov 1 – Dec 15 | — |
| Minnesota (MNsure) | Nov 1 – Dec 15 | — |
| Nevada (Nevada Health Link) | Nov 1 – Dec 15 | — |
| New Jersey (Get Covered NJ) | Nov 1 – Dec 15 | — |
| New Mexico (beWellnm) | Nov 1 – Dec 15 | — |
| New York (NY State of Health) | Nov 1 – Dec 15 | Essential Plan remains year-round outside OEP. |
| Pennsylvania (Pennie) | Nov 1 – Dec 15 | — |
| Rhode Island (HealthSource RI) | Nov 1 – Dec 15 | — |
| Vermont (Vermont Health Connect) | Nov 1 – Dec 15 | — |
| Virginia (Virginia's Insurance Marketplace) | Nov 1 – Dec 15 | — |
| Washington (Washington Healthplanfinder) | Nov 1 – Dec 15 | — |
Special Enrollment Periods (year-round)
Most life events trigger a 60-day SEP to enroll or change a marketplace plan outside OEP. Households at or under 150% FPL are eligible for a monthly SEP on HealthCare.gov.
- Loss of qualifying health coverage (job loss, COBRA exhaustion, aging off a parent's plan at 26)
- Marriage (at least one spouse must have had MEC in the prior 60 days)
- Birth, adoption, or placement for foster care
- Permanent move to an area with new plan options
- Becoming a U.S. citizen or lawfully present resident
- Release from incarceration
- Income change that affects subsidy eligibility (limited circumstances)
- Gaining/losing Medicaid or CHIP eligibility
- Domestic abuse or spousal abandonment
Sources
The information contained on this website is for educational purposes only. We are not responsible for missing or inaccurate information. Please consult a licensed insurance broker in your state and area for insurance advice. Please consult a CPA for tax or legal advice.