When can I buy an individual and family plan?
Who is this for?
If you need to purchase your health coverage, this explains important things you should know about enrollment periods.
There are different times you may need a health plan. Maybe you turned 26 recently and can't be on your parents' insurance anymore. Maybe you lost insurance you had through an employer.
There are also different times you can buy a health plan, called enrollment periods. They're important to know so you don't go without coverage or have to pay a penalty.
This is an annual period of time when you can buy health coverage from private insurance companies or healthcare.gov. You don't have to meet any special circumstances. Exact dates may vary from year to year.
Important open enrollment deadlines
Avoid extra paperwork at tax time or paying a penalty for not having health insurance. Sooner is better than later when it comes to signing up for a health plan during open enrollment.
- To have your health coverage begin on Jan. 1, sign up on or before Dec. 15.
If you sign up after Dec. 15, your coverage won't start until Feb. 1 or later. You may have to pay a penalty for the time you didn't have insurance, or file a hardship exemption if you qualify.
How do I buy a plan during open enrollment?
You can shop, get a quote and sign up for our plans for individuals and families right online. You can also call one of our health plan advisors at 1-855-237-3501 or connect with an agent. They’ll help you find the right plan and get you enrolled.
If you'd like to talk to someone in person, you can visit one of our walk-in centers.
Once you enroll in a plan, you can find helpful information about making your first premium payment in our Payments FAQ.
If you miss open enrollment
Under some circumstances, you can buy a health plan outside of open enrollment. If you've had what's called a qualifying event in your life, you're eligible for a special enrollment period. To learn more, see How do I buy or change a plan during special enrollment?