Every Year, Health Insurance Open Enrollment begins on November 1st. But the annual enrollment periods can have a different end date depending on where you live.

Health Insurance Open Enrollment

This guide will answer some common questions, including when Health Insurance Open Enrollment 2021 begins and ends, and which states have extended deadlines.

UPDATE: Health Insurance Subsidies have been expanded for 2021 and 2022. Click here to compare rates on a subsidized plan in your area.  

Key Points: Health Insurance Open Enrollment Period 2021 / 2022

  • Health Insurance Open Enrollment begins every year on November 1st, and lasts until December 15th. However, many states extend this deadline to January 15th, and a few until January 30th. (A list of state-by-state health insurance deadlines can be found below).
  • If you sign up for a new plan or switch to a different one during Open Enrollment, the changes will go into effect on January 1st, 2022. If you’re in a state with an extended deadline, your coverage could begin on February 1st, 2022.
  • As of this year, health insurance subsidies are no longer only available to people who earn 400% of the Federal Poverty Level or below. That means that low-premium plans are available to more people than in previous years. This could be a good time to run a quote.

Compare Pricing on the Best Insurance Plans Available

Health Insurance Open Enrollment 2021 Frequently Asked Questions [FAQ]

Q: When is Health Insurance Open Enrollment 2021?

The 2021 Health Insurance Open Enrollment Period begins on November 1st. In most states, the last day of Open Enrollment is December 15th. However, some states have already extended their deadlines to January 15th or later.

Q: When Will My New Health Insurance Marketplace Plan Go into Effect?

Whether you are signing up for new coverage or just switching plans, any changes made during Open Enrollment will go into effect on January 1st, 2022. However, if you are in a state that has extended deadlines and you make changes in January, your new plan will become active on February 1st, 2022.

Q: Which States Have Extended Health Insurance Deadlines?

As of now, 11 states have extended the 2022 health insurance open enrollment deadline, including:

  • California: Extended to January 31st
  • Colorado: Extended to January 15th
  • Connecticut: Extended to January 15th
  • Massachusetts: Extended to January 23rd
  • Minnesota: Extended to December 22nd
  • Nevada: Extended to January 15th
  • New Jersey: Extended to January 31st
  • New York: Extended to January 31st
  • Pennsylvania: Extended to January 15th
  • Rhode Island: Extended to January 23rd
  • Washington: Extended to January 15th
  • Washington D.C.: Extended to January 31st

Q: Can I Change Health Insurance Outside of Open Enrollment? [Special Enrollment Periods]

If you are outside the annual Open Enrollment Period, you must qualify for a Special Enrollment Period in order to make changes to your coverage. Special Enrollment Periods require that the enrollee experience a qualifying life event.

There are 4 main types of qualifying life events under the ACA:

  1. Losing Your Coverage: If you lose your existing coverage due to turning 26, changing jobs, or losing Medicare or Medicaid eligibility.
  2. Household Changes: If you get married or divorced, have a baby, adopt a child, or have a death in the family.
  3. Residence Changes: If you move to a different county or zip code, or move out of a shelter or transitional housing.
  4. Other Changes: These can include becoming a U.S. citizen, getting out of prison or incarceration, joining or leaving AmeriCorps, or gaining membership in a federally recognized tribe under the Alaska Native Claims Settlement Act (ANCSA).

Q: How do I Change Health Insurance Plans for 2022 during Open Enrollment?

If you’re happy with your current plan, then you might not need to take action during open enrollment. But consider this: With premiums changing all the time, and the newly expanded subsidies that went into effect this year, there’s a good chance that you could save some serious money on health insurance in 2022.

At HSA for America, we pair each one of our clients with a real-life expert Personal Benefits Manager (PBM). With a quick no-cost consultation, your PBM will show you the plans that fit your needs.

Click here to claim your free health insurance consultation. Just want to shop around? Click over to our home page, enter your home state, and view free, instant health insurance quotes.  

Here are some additional articles on the health insurance open enrollment: How to Budget for Healthcare [2022 Edition] | Understanding Health Insurance: 13 Things About Health Insurance You May Not Have Known

Here are some additional pages related to this article: HSA FAQS Health Savings Account Answers | Healthshare Information