What Is an Open Enrollment Period?

Open Enrollment Dates May Vary

Open Enrollment Begins For Third Year Of Affordable Care Act
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Open enrollment is a period of time each year when you can sign up for health insurance. If you don't sign up for health insurance during open enrollment, you probably can't sign up for health insurance until the next open enrollment period, unless you experience a qualifying event.

If you’re eligible and apply for health insurance during open enrollment, the health plan must insure you. The company is not allowed to use underwriting or require evidence of insurability, both of which could make it harder for you to get health insurance.

What Health Insurance Sources Use Open Enrollment Periods?

Open enrollment periods are common and in place for:

When Is Open Enrollment?

The time of year for open enrollment depends on the health care plan you choose:

  • Medicare open enrollment runs from October 15 to December 7 each year. Note that this does NOT apply to Medigap plans, which don't have an annual open enrollment period. Medigap plans are only available without medical underwriting during your initial enrollment period, or during one of the very limited special enrollment periods that apply to those plans.
  • Job-based health insurance open enrollment periods are set by your employer and can happen at any time of the year. However, it's usually in autumn so the new coverage begins on January 1 of the next year.
  • Open enrollment in the individual market (on and off-exchange) has varied considerably over the last few years. Starting with 2018 coverage, open enrollment will run from November 1 to December 15 of the prior year, with all plans effective January 1. So open enrollment for 2018 will begin November 1, 2017 and end December 15, 2017. Open enrollment for 2018 will mark the first time that enrollment ends before the start of the new year, and plan selections will not be able to be made after the year begins (prior to 2014, enrollment was available year-round in the individual market, but in most states insurers determined eligibility based on applicants' medical history, which meant people with pre-existing conditions could be denied coverage; that no longer happens, thanks to the ACA).  Learn more about open enrollment in the individual market.

    Special Enrollment Is the Exception to Open Enrollment

    Insurance plans that use an open enrollment system also have an exception that allows you to enroll outside of open enrollment under extenuating circumstances, frequently called life events. Known as a special enrollment period, this exception allows you to sign up for health insurance if you lost your other health insurance because you:

    • lost your job
    • moved
    • got divorced or married
    • became a widow or widower
    • aged off of a parent's plan
    • let COBRA insurance expired
    • have a new baby

    You won't be eligible for a special enrollment period if you lost your other health insurance because you didn't pay the monthly premiums, though, or if you voluntarily cancelled your prior coverage.

    Note that although qualifying events and special enrollment periods in the individual market are similar to those that have long existed for employer-sponsored plans, they are not identical. Here's a guide that pertains specifically to special enrollment periods in the individual market, on and off-exchange.

    What Types of Health Insurance Don't Use Open Enrollment?

    Most health insurers in the United States use some sort of open enrollment program that limits sign-ups to a particular time each year.

    Here are some exceptions:

    • Medicaid, the state-based health insurance, doesn't limit enrollments to an open enrollment period. If you qualify for Medicaid, you can enroll at any time.
    • CHIP, the U.S. government's Children's Health Insurance Program, doesn't limit enrollments to a particular time, either.
    • Travel insurance isn't subject to open enrollment restrictions, either. Due to the short-term nature of travel insurance policies, they're not usually subject to open enrollment. However, some travel insurance companies restrict your ability to purchase a travel insurance policy to the period of time immediately after you book your travel.
    • Short-term health insurance doesn't use open enrollment periods either. Like travel insurance, short-term insurance isn't regulated by the ACA, and plans are available year-round in states that allow them. A new rule in 2017 limits short-term plans to no more than three months in duration.
    • I n some cases,  supplemental insurance products. Supplemental insurance plans sold to individuals are available year-round. But if your employer offers supplemental insurance, your opportunity to enroll will likely be limited to your employer's overall open enrollment period.

    More Open Enrollment Opportunities

    Most employers allow you to sign up for or change other job-based benefits during open enrollment, also. Generally, you’re only allowed to make these changes during open enrollment. For example, you may be able to:

    Also Known As: annual enrollment, annual benefits enrollment

    Sources:

    Department of Health and Human Services, Final Notice of Benefit and Payment Parameters for 2018. December 17, 2016.

    Internal Revenue Service, Excepted Benefits; Lifetime and Annual Limits; and Short-Term, Limited Duration Insurance. 2016

    Norris, Louise. healthinsurance.org. Guide to Special Enrollment Periods in the Individual Market. February 2017.

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