Everything You Need to Know About the 2023 Open Enrollment Period For Obamacare and ACA plans.
The 2023 Open Enrollment Period (OEP) for the Affordable Care Act (ACA) began November 1, 2022 and ends on January 15, 2023. Some states have their own healthcare exchanges, such as California’s Covered California Exchange and Pennsylvania’s Pennie. Several of these states have different date ranges for the 2023 OEP.
If you think that OEP is a bit longer than usual this year, you’re right: 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 from now on.
If you don’t have health insurance through your job, you’ll need to purchase coverage during open enrollment. The best time to buy health insurance is during the open enrollment period, when ACA plans are available and rates are set for the year. You can still buy health insurance after open enrollment, but you may have to wait for a plan to become available and your rates may be higher, or you may have to use an option such as private health insurance.
What is Open Enrollment?
Open enrollment is the time of year when people who don’t have health insurance through their job can purchase coverage through a certified ACA provider such as HealthPlanOptionsToday. You can still buy health insurance through a government exchange after open enrollment if you have experienced one of several qualifying events (we’ll cover this later).
What States Have Their Own Healthcare Exchanges?
Many states and the District of Colombia have their own healthcare exchanges, many of which have unique open enrollment periods. A complete list of these states is below:
California: From November 1 to January 31 (renewals began earlier, on October 1)
Colorado: From November 1 to January 15
Connecticut: From November 1 to January 15
District of Columbia: From November 1 to January 31
Idaho: From October 15 to December 15 (take note that this deadline ends before year-end)
Kentucky: From November 1 to January 15
Maine: From November 1 to January 15
Maryland: From November 1 to January 15
Massachusetts: From November 1 to January 23
Minnesota: From November 1 to January 15
Nevada: From November 1 to January 15
New Jersey: From November 1 to January 31
New Mexico: From November 1 to January 15
New York: From November 16 to January 31 (note that open enrollment begins later than most exchanges)
Pennsylvania: From November 1 to January 15
Rhode Island: From November 1 to January 31
Vermont: From November 1 to January 15
Washington: From November 1 to January 15
How To Get Health Insurance Outside of Open Enrollment
Outside of ACA’s open enrollment window, Obamacare enrollments are available with a qualifying event such as marriage (since 2017), becoming a U.S. citizen or birth/adoption (since July 2016). Even if you do not fall under one of these qualifying events, you can still purchase health insurance through Health Plan Options Today. Our trained specialists will literally search through a plethora of plans to find the one that suits you and your needs the best.
How To Get The Best Deal During Open Enrollment Period
While the best time to buy health insurance is during the open enrollment period, our team is just a call away and is ready to assist with your health insurance needs at any time of the year. They will take time to learn about your budget and your needs: whether you’re single, an empty-nester, or if you have a large family that needs to be covered, and will help select the plan that will work best for you. Get in touch with us by calling our hotline at 888-375-8879 or by clicking the button below.