If I buy a plan during open enrollment, when does my coverage start?

Individuals with no coverage | Open and Special Enrollment Periods |

Open enrollment is from November 1, 2023 to January 16, 2024 in most states. If you enroll by December 15, 2023, and if you make your first premium payment by the due date specified by your plan, your new coverage will start on January 1, 2024. If you enroll on January 16 and pay your first month’s premium payment, your new coverage would start on February 1.

To find out if your state has a different open enrollment period, visit our state fact sheets. (45 C.F.R. § 155.410.)

Individuals with no coverage
Individuals with coverage
Coverage for small employers
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