It’s hard to believe that another Health Insurance Marketplace (Marketplace) open enrollment period is quickly approaching. The federally facilitated Marketplace will have an open enrollment period that starts on November 1, 2023, and it ends on January 15, 2024. During this time, individuals and families may enroll in an individual health insurance plan or make changes to existing coverage without a qualifying event.

Here are some important dates to remember: 

November 1, 2023: Open enrollment starts for health insurance coverage for the 2024 plan year. November 1st is the first day individuals and families can enroll in, re-enroll in, or change health insurance plans through the Marketplace.

December 15, 2023: This is the last day to enroll in or change plans with a January 1, 2024 effective date.

January 1, 2024: Coverage starts for those who enroll in or change plans by December 15, 2023.

January 15, 2024: The open enrollment period ends on this date. January 15th is the last day to enroll in or change health insurance plans for 2024. After this date, you can only enroll in or change plans if you qualify for a special enrollment period.

February 1, 2024: Coverage starts for those who enroll in or change plans between December 16, 2023 and January 15, 2024.

Individuals and families who enroll in Marketplace coverage will need to be prepared to provide the appropriate information on the application. The Marketplace has prepared a checklist to help individuals and families prepare for the application process.

It should be noted that some of the dates above vary for states who operate their own Marketplace. For example, the state of California will have an open enrollment period that runs from November 1, 2023, and it ends on January 31, 2024. This is sixteen days longer that the open enrollment period on the federally facilitated Marketplace.