Open enrollment under the Affordable Care Act (ACA) – when individuals can buy or switch health insurance plans in the marketplace – is Nov 1, 2022 through Jan 15, 2023 in most states.
Enroll by Dec 15, 2022 for coverage that starts Jan 1, 2023.
Individuals purchasing coverage through the ACA marketplace cannot be denied or charged more for coverage because of a pre-existing condition, including HIV or COVID-19. Click here for 3 things to know about COVID-19 and your marketplace coverage.
Those with low to moderate incomes may qualify for federal subsidies to buy a new plan through the marketplace. In some cases, you may pay no premium at all.
People who lose their job and with it their employer-sponsored insurance, as well as those in other special circumstances (e.g. marriage, divorce, a move, birth of a child), may be allowed to enroll outside of the open enrollment period. If you anticipate a coverage loss, you can apply for special enrollment in the ACA up to 60 days in advance.
Additionally, some people may be eligible for Medicaid. Eligibility is typically determined based on monthly household income, so people completely out of work or losing hours may newly qualify. Enrollment in Medicaid is ongoing throughout the year.