If you miss a deadline for applying for health insurance, you could be left without coverage for the entire year ahead, unless you qualify for a Special Enrollment Period.
Make sure to check your state's key deadlines below. Most states require you to enroll by December 15 if you need coverage starting January 1, 2024.
Once you enroll in health insurance, make sure to pay your first month's premium before the day your coverage begins, otherwise your insurance may not become active.
Want to make sure you're ahead of the game? Your Benefits Advisor is here to help. Schedule your free consultation today.
Alabama
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Alaska
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Arizona
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Arkansas
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
California
Open Enrollment lasts from November 1 to January 31
- Enroll by December 31 for January 1 coverage
- Enroll by January 31 for February 1 coverage
Colorado
Open Enrollment lasts from November 1 to January 15
- Enroll by December 15 for January 1 coverage
- Enroll by January 15 for February 1 coverage
Connecticut
Open Enrollment lasts from November 1 to December 15. It may get extended to January 15.
- Enroll by December 15 for January 1 coverage
Delaware
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
District of Columbia
Open Enrollment lasts from November 1 to January 31
- Enroll by December 15 for January 1 coverage
- Enroll by January 15 for February 1 coverage
- Enroll by January 31 for March 1 coverage
Florida
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Georgia
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Hawaii
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Idaho
Open Enrollment lasts from October 15 to December 15
- Enroll by December 15 for January 1 coverage
Illinois
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Indiana
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Iowa
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Kansas
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Kentucky
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Louisiana
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Maine
Open Enrollment lasts from November 1 to January 15
- Enroll by December 15 for January 1 coverage
- Enroll by January 15 for February 1 coverage
Maryland
Open Enrollment lasts from November 1 to January 15
- Enroll by December 31 for January 1 coverage
- Enroll by January 15 for February 1 coverage
Massachusetts
Open Enrollment lasts from November 1 to January 23
- Enroll by December 23 for January 1 coverage
- Enroll by January 23 for February 1 coverage
Michigan
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Minnesota
Open Enrollment lasts from November 1 to January 15
- Enroll by December 15 for January 1 coverage
- Enroll by January 15 for February 1 coverage
Mississippi
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Missouri
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Montana
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Nebraska
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Nevada
Open Enrollment lasts from November 1 to January 15
- Enroll by December 31 for January 1 coverage
- Enroll by January 15 for February 1 coverage
New Hampshire
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
New Jersey
Open Enrollment lasts from November 1 to January 31
- Enroll by December 31 for January 1 coverage
- Enroll by January 15 for February 1 coverage
New Mexico
Open Enrollment lasts from November 1 to January 15
- Enroll by December 31 for January 1 coverage
- Enroll by January 15 for February 1 coverage
New York
Open Enrollment lasts from November 16 to May 31
- Enroll by December 15 for January 1 coverage
North Carolina
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
North Dakota
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Ohio
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Oklahoma
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Oregon
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Pennsylvania
Open Enrollment lasts from November 1 to January 19
- Enroll by December 15 for January 1 coverage
- Enroll by January 19 for February 1 coverage
Rhode Island
Open Enrollment lasts from November 1 to January 31
- Enroll by December 23 for January 1 coverage
- Enroll by January 31 for February 1 coverage
South Carolina
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
South Dakota
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Tennessee
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Texas
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Utah
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Vermont
Open Enrollment lasts from November 1 to January 15
- Enroll by December 15 for January 1 coverage
- Enroll by January 15 for February 1 coverage
Virginia
Open Enrollment lasts from November 1 to January 15
- Enroll by December 15 for January 1 coverage
- Enroll by January 15 for February 1 coverage
Washington
Open Enrollment lasts from November 1 to January 15
- Enroll by December 15 for January 1 coverage
- Enroll by January 15 for February 1 coverage
West Virginia
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Wisconsin
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Wyoming
Open Enrollment lasts from November 1 to January 16
- Enroll by December 15 for January 1 coverage
- Enroll by January 16 for February 1 coverage
Note: these dates are subject to change. Please double check with your state.