Open Enrollment is the yearly period when people can enroll in a health insurance plan. Those who enroll outside of this period must qualify for a Special Enrollment Period.

The 2020 Open Enrollment Period for most states* runs from Friday, November 1 to Sunday, December 15, 2019. Plans sold during Open Enrollment start January 1, 2020.

This means that in order to re-enroll or to enroll in a new health insurance plan, you must complete your application by December 15, 2019. 

If you don’t act by December 15, you can’t get 2020 coverage unless you qualify for a Special Enrollment Period. 

Note: If you qualify for Medicaid or the Children’s Health Insurance Program (CHIP), you can apply any time.

*For the following states, the open enrollment starts on November 1, but ends a bit later. Here are those states and their end dates:

  • California - January 15
  • Colorado - January 15
  • Massachusetts - January 23
  • Minnesota - December 23
  • New York - January 31
  • Rhode Island - December 31
  • Washington DC - January 31
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