In general, you can only enroll in Marketplace health plan coverage during the Open Enrollment period. For 2025 coverage, the Open Enrollment period in Healthcare.gov states begins November 1, 2024 and closes at the end of the day on January 15, 2025 (Pacific Time). The following states have different Open Enrollment end dates: -ID: Dec.

During Open Enrollment in HealthCare.gov and some other states, if you enroll in a private health insurance plan by December 15 and make your first premium payment by the due date specified by your plan, your new health coverage starts January 1.

Yes. You can switch to a different plan at any time during Open Enrollment.

It is important that you contact both the Marketplace and the health plan and let them know you no longer need coverage. In HealthCare.gov states, you can log into your Marketplace account, select the “terminate coverage” option, and enter the required information.

Small employers can buy coverage for their employees through the SHOP Marketplace at any time during the year. HealthCare.gov no longer operates a SHOP Marketplace website for small employers.

In general, you can have a special enrollment opportunity to sign up for Marketplace coverage during the year, other than during Open Enrollment period, if you have a qualifying life event. Some examples of qualifying life events include marriage, gaining a dependent, or loss of employment.

Yes, in some cases. When you apply for Marketplace coverage and qualify for a Special Enrollment Period, the Exchange may request additional documents to confirm that you qualify for coverage in your Marketplace Eligibility notice. If you apply for Marketplace coverage following loss of other coverage, HealthCare.