Key Dates for Individual Medical Insurance

Open Enrollment

Open Enrollment is the time when you can enroll in a plan for the new calendar year.

For Plans Effective In Calendar Year 2022

Open Enrollment Begins On November 1, 2021 and Ends On January 15, 2022.

New rule(s) extends the annual individual market Open Enrollment Period for 2022 and future benefit years to allow consumers more time to review plan choices, seek in-person assistance, and enroll in a plan that best meets their needs. The annual Open Enrollment Period for all individual-market Marketplaces using the federal eligibility and enrollment platform and off-Marketplace individual market plans in states with such Marketplaces for 2022 and future benefit years will be November 1 of the prior year through January 15 of the benefit year

If you enroll November 1st through December 15th, then you will have a January 1, 2022 effective date.

If you enroll December 16th through January 15th 2022, then you will have a February 1, 2022 effective date.

*All applications are subject to approval by the insurance carrier, based on proper completion of the application, timely submission, and premium paid within the timeframe required.

Special Enrollment Period

For Plans Effective In Calendar Year 2021

2021 Open Enrollment Completed on August 2021 via the Biden "Special Enrollment Period" Extension.
Only Special Enrollment is available for Plans effective in 2021.

Special Enrollment Periods (SEPs) are the times when you can apply for a new plan outside of Open Enrollment.

To buy individual health insurance outside of Open Enrollment, you must qualify for a Special Enrollment Period due to a qualifying life event like marriage (as long as one spouse is currently insured), birth or adoption of a child, or in-voluntary loss of employer health coverage. Proof of a Qualifying Event must be submitted with the application.

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Individual Medical Quote Affordable Care Act

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Medical Coverage

Individual Health Insurance ACA (via HealthSherpa)

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Trebing Portal to Affordable Care Act during [Open and Special Enrollment] periods.

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