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When is open enrollment for 2023 health coverage?

Everything you need to know to enroll in an affordable individual-market health insurance plan during the annual open enrollment period

August 20, 2022

"Open enrollment for 2023 health coverage begins nationwide on November 1, 2022 (note that New York generally delays the start of open enrollment until mid-November but then has an extended deadline for the end of the enrollment period). In the majority of the states, open enrollment for 2023 coverage will run through January 15, 2023.

Enrollments in most states need to be completed by December 15, 2022 in order to have a plan that takes effect on January 1. But it’s common to see extensions for this deadline, particularly among states that run their own exchanges (there are 18 of those; the rest of the states use and do not have leeway to offer state-specific enrollment flexibility).

In nearly every state, enrollments completed after December 15 but before the end of open enrollment will have a February 1 effective date, although there are generally a few states where a March effective date is possible during the latter part of open enrollment.

For most Americans, open enrollment is the only opportunity to enroll in an ACA-compliant health plan without needing a qualifying life event. " from

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