Open Enrollment for Health Insurance 2024

When is Open Enrollment for Health Insurance Coverage in 2024?

 

The Individual and Family Marketplace  Open Enrollment Period for 2024 starts November 1, 2023 and lasts through January 15, 2024, but actual dates can vary by state.

Marketplace Open Enrollment 2024 Dates for States We Serve

 

We offer Individual and Family Marketplace coverage in 14 states, all of which you can find in the table below.

State

Start Date

End Date

California

Nov. 1, 2023

Jan. 31, 2024

Colorado

Nov. 1, 2023

Jan. 17, 2024

Connecticut

Nov. 1, 2023

Jan. 15, 2024

Georgia

Nov. 1, 2023

Jan. 16, 2024

Indiana

Nov. 1, 2023

Jan. 16, 2024

Kentucky

Nov. 1, 2023

Jan. 16, 2024

Maine

Nov. 1, 2023

Jan. 16, 2024

Missouri

Nov. 1, 2023

Jan. 16, 2024

Nevada

Nov. 1, 2023

Jan. 15, 2024

New Hampshire

Nov. 1, 2023

Jan. 16, 2024

New York

Nov. 1, 2023

Jan. 31, 2024

Ohio

Nov. 1, 2023

Jan. 16, 2024

Virginia

Nov. 1, 2023

Jan. 16, 2024

Wisconsin

Nov. 1, 2023

Jan. 16, 2024

Key Considerations for Open Enrollment 2024

 

As Open Enrollment for Individual and Family health insurance in 2024 approaches, there are several key steps to follow when choosing your  plan.

 

1. Review Your Current Plan

 

Review your current health insurance plan, if you have one, to determine if it still meets your needs. Consider any changes in yours or your family’s health, financial situation, or lifestyle that may require different health coverage.

 

2. Explore Plan Options

 

During Open Enrollment, it is important to explore different individual and family insurance plan options to find one that fits your healthcare needs and budget. Look for plans with a network of doctors and hospitals that align with your preferences and care needs.

 

3. Assess Your Monthly Premium

 

Your monthly premium is the amount you pay for health insurance coverage each month. Consider how much you can afford to pay and how it fits into your overall budget.

 

4. Consider Health Insurance Subsidies

 

Update your personal information with the Marketplace, especially your financial details, as you’re reviewing and comparing insurance plans. If you meet certain income requirements, you may qualify for health insurance subsidies that can significantly reduce the cost of your monthly premium. Additionally, Silver Marketplace  plans offer cost-sharing reductions (CSRs), which can lower your out-of-pocket expenses by reducing your deductible, copays, and coinsurance.

 

5. Understand Out-of-Pocket Costs

 

In addition to your monthly premium, you may also have out-of-pocket costs, such as a deductible, copays, and coinsurance. Make sure you understand these costs and how they impact your overall healthcare expenses.

 

6. Think About Additional Coverage

 

While Marketplace  health insurance plans cover a range of medical services and include prescription drug benefits, you may want to consider additional coverage, such as dental and vision plans, to round out your overall health.

 

7. Enrollment Dates and Deadlines

 

Remember, some states have different Open Enrollment dates, so refer to the table above to find out the dates applicable to where you live. If you don't enroll in a plan by your state’s health insurance deadline, you won't be able to purchase coverage for 2024, unless you qualify for a Special Enrollment Period (SEP)

 

By keeping these key considerations in mind, you can make an informed decision about your healthcare coverage during Open Enrollment in 2024.

 

 

What Happens if You Miss Open Enrollment for 2024?

 

If you miss the Marketplace’s 2024 Open Enrollment period, you may not be able to enroll in an ACA health insurance plan unless you qualify for a Special Enrollment Period.

 

A Special Enrollment Period allows you to enroll in a plan outside of Open Enrollment if you experience a qualifying life event (QLE) that impacts your existing health coverage, such as loss of job or divorce.  

 

Alternatively, you may be eligible to enroll in a health plan offered by your employer. Some employer-sponsored health plans have their own enrollment periods that may differ from the ACA Marketplace  Open Enrollment Period. Also, if you change jobs, you may be eligible to enroll in your new employer-sponsored health plan outside of their traditional enrollment period.   

 

Or, if you are 65 years or older, you likely qualify for Medicare coverage.

 

 

Special Enrollment Period for Those Impacted by Medicaid Unwinding

 

If you or a family member no longer qualify for Medicaid or Children’s Health Insurance Plan (CHIP), there is an opportunity to enroll in other healthcare coverage through a special enrollment period (SEP). The length of this period may vary depending on the state you reside in.

 

Learn more about Medicaid unwinding and explore alternative health coverage options.

Shop Anthem Individual and Family Health Plans

Make the most of the Marketplace Open Enrollment Period to reach informed decisions about your healthcare coverage for 2024. Anthem is here to help you along the way, no matter where you are on your personal health journey.

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