When can you get health insurance?
Starting November 1, you can apply for 2025 coverage or update your application with any changes you expect for the year ahead.
- November 1: Open Enrollment starts — first day you can enroll in, renew, or change health plans through the Marketplace for the coming year. Coverage can start as soon as January 1.
- December 15: Last day to enroll in or change plans for coverage to start January 1.
- January 1: Coverage starts for those who enroll in or change plans by December 15 and pay their first premium.
- January 15: Open Enrollment ends — last day to enroll in or change Marketplace health plans for the year. After this date, you can enroll in or change plans only if you qualify for a Special Enrollment Period.
- February 1: Coverage starts for those who enroll in or change plans December 16 through January 15 and pay their first premium.