Here are all the dates, deadlines and details you need to know to get health insurance coverage for 2020.
Health insurance open enrollment for 2020 begins on Nov. 1, 2019, and ends on Dec. 15, 2019, for people who get coverage through the marketplace set up by the Affordable Care Act, or Obamacare.
Of course, not all Americans get health insurance coverage from the Obamacare marketplace. Some get it from an employer. Others get it from Medicare or Medicaid.
This article will tell you all you need to know about the 2020 health insurance open enrollment dates and details associated with employer and Obamacare coverage.
It’ll also answer the most common open enrollment questions, including:
Most people can get coverage for 2020 from the Obamacare health insurance marketplace between Nov. 1 and Dec. 15, 2019.
Within that window, you can enroll in, re-enroll in or change a health insurance plan through the marketplace — or exchange, as some call it.
You might have even longer to buy health insurance for 2020 if you live in one of these states or districts:
Each of these states run their own health insurance exchanges or marketplaces. Because of that, they can expand their open enrollment windows. Many did so in 2019. The only states in this situation that did not extend open enrollment last year: Idaho, Maryland, Vermont and Washington. Nevada will join them this year.
If the states that extended open enrollment for 2019 do so again for 2020, you should be able to get health insurance between the following dates:
|State||2020 Open Enrollment Period|
|California||Oct. 15 to Jan. 15, 2019|
|Colorado||Nov. 1 to Jan. 15|
|Connecticut||Nov. 1 to Jan. 15|
|Massachusetts||Nov. 1 to Jan. 23|
|Minnesota||Nov. 1 to Jan. 13|
|New York||Nov. 1 to Jan. 31|
|Rhode Island||Nov. 1 to Dec. 31|
|Washington, D.C.||Nov. 1 to Jan. 31|
Note: California, Colorado and Washington, D.C., have permanently extended Obamacare open enrollment to the dates above. Of the remaining states, only New York has announced 2020 open enrollment dates.
The open enrollment periods tied to employer-sponsored health insurance plans often happen between October and December, too.
We can’t give you more specific dates here because every employer sets its own health insurance open enrollment period.
So, if you get health insurance from an employer and you don’t know its open enrollment 2020 deadlines, check with someone in human resources.
Yes, health insurance open enrollment happens just once a year.
For example, unless you qualify for a special enrollment period, you can only get Obamacare coverage during the open enrollment period that starts at the end of the year. The same tends to be true of health coverage you get from an employer.
In other words, you usually can’t get health insurance anytime you want.
Most 2020 health insurance plans start on Jan. 1.
If you want Obamacare coverage and you live in a state with expanded open enrollment, it may not take effect until later.
For example, if you live in California and you enroll in a marketplace plan after Dec. 21, it won’t take effect until Feb. 1. And if you live in New York and you enroll in a marketplace plan after Jan. 15, it won’t take effect until March 1.
Most employer-sponsored health insurance plans also start on Jan. 1. That’s not true of all employers, though, so check with yours if you don’t know when its 2020 coverage begins.
You have to wait for open enrollment to get coverage for 2020 through the health insurance marketplace or an employer.
The only way you can get those kinds of health insurance plans outside open enrollment is to qualify for a special enrollment period.
You can get health insurance from the Obamacare marketplace or an employer outside open enrollment if you qualify for a special enrollment period.
To qualify for a special enrollment period, you need to go through a life change like:
These aren’t the only ways to qualify for a special enrollment period, by the way. To learn more, visit healthcare.gov or talk with someone in your employer’s HR department.
Also, something to keep in mind if you take this route: you usually need to have gone through one of these life events in the last 60 days to qualify for a special enrollment period.
You can still get health insurance coverage if you miss the 2020 open enrollment deadlines by:
Health insurance is not mandatory for most Americans in 2020.
The Affordable Care Act used to require people to carry “qualifying health coverage.” Those who didn’t had to pay a fee when they filed their federal taxes.
The federal government no longer penalizes people for not having health insurance. Some states do, though. If you live in one of them, you will pay a fee with your state taxes if you don’t have health coverage in 2020.
These are the states that require health insurance coverage:
You can apply for 2020 Obamacare coverage in person, over the phone, through the mail or online.
Does your state run its own exchange or marketplace? If so, you’ll need to contact it or use its website to get health insurance coverage for 2020.
Don’t worry if you have no idea whether your state runs its own exchange. When you go to apply for Obamacare coverage at healthcare.gov, it’ll tell you.
Before you take any of the steps mentioned above, though, figure out which type of Obamacare plan is right for you.
You need to have certain pieces of information and documents on hand when you apply for 2020 Obamacare coverage. They include:
It is too late to get 2019 health insurance coverage from the Obamacare marketplace or from an employer if you haven’t recently gone through a qualifying life event.
Open enrollment for 2019 Obamacare health insurance coverage ran from Nov. 1 to Dec. 15, 2018, in most states. Some states extended open enrollment beyond that date.
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