In general, you can only enroll in non-group health plan coverage during the Open Enrollment period.
For 2020 coverage, the Open Enrollment period in HealthCare.gov states begins November 1, 2019 and extends through December 18, 2019 at 3:00 am ET. If you plan to sign up, be sure to complete your application and select your plan before 3:00 am on December 18, 2019.
Once the Open Enrollment period is over, individuals and families will not be able to enroll in Marketplace health plans until the next Open Enrollment period. However, if you experience certain changes in circumstances during the year, you will have a special 60-day opportunity to enroll in Marketplace health plans, outside of the Open Enrollment period.
For individuals and families buying non-group coverage on their own, outside of the Marketplace, you can only enroll in coverage during Open Enrollment periods and special enrollment opportunities, as well.
American Indians and Alaska Natives can enroll in Marketplace coverage throughout the year, not just during Open Enrollment.
In response to the COVID-19 crisis, most state-run Marketplaces have opened a special Open Enrollment period when people uninsured for any reason can sign up for coverage. The state websites and new deadlines are:
California July 31, 2020
Colorado April 30, 2020
Connecticut April 17, 2020
District of Columbia September 15, 2020
Maryland July 15, 2020
Massachusetts July 23, 2020
Minnesota April 21, 2020
Nevada May 15, 2020
New York July 15, 2020
Rhode Island April 30, 2020
Vermont August 14, 2020
Washington May 8, 2020