State Deadlines for Obamacare Open Enrollment 2025

State Extensions for 2025 Open Enrollment

The deadline for enrolling in 2025 health insurance is January 15 2025 in most states. However, some states have unique deadlines. This page covers each state’s deadline for the 2025 plan year.

Key Dates for Open Enrollment 2024 (Coverage in 2025)

First, let’s cover the dates for states that use the Federal marketplace HealthCare.gov.

The federal Open Enrollment Period for plans effective in 2025 begins on Friday, November 1, 2024, and ends on Wednesday, January 15, 2025.

• November 1, 2024: Open Enrollment starts.
• December 15, 2024: Last day to enroll or change plans for coverage effective January 1, 2025.
• January 1, 2025: Earliest start date for plans purchased by December 15, 2024.
• January 15, 2025: Open Enrollment closes; extensions may apply in some states.
• February 1, 2025: Coverage start date for plans purchased between December 16, 2024, and January 15, 2025, after the first premium is paid.

Note: These dates can change. The federal government and individual states may offer extensions. Check below or consult your state’s official health insurance marketplace for the latest updates.

About Federal and State Enrollment Extensions

The federal marketplace (HealthCare.gov) may extend enrollment deadlines each year. States with their own exchanges often set their own schedules and may permanently or periodically offer extended enrollment periods. These extensions give more time to enroll, but enrollment after December 15 generally means coverage may start later than January 1.

Tip: Only plans purchased through the marketplace are eligible for
cost assistance.

Tip: If you enroll after December 15 in a state that offers an extension, your coverage may not start on January 1. Confirm your state’s rules and check your coverage start date. Remember, your plan won’t start until you pay your first premium.

State-Specific Deadlines and Potential Extensions for 2025

Each state-based marketplace may have different deadlines. Some have permanent extensions, while others announce adjustments each year. The following deadlines reflect what we know for the 2025 Open Enrollment season. Always verify with your state’s official website or the federal marketplace for the most accurate information.

• California: Nov 1, 2024 – Jan 31, 2025
• Colorado: Nov 1, 2024 – Jan 15, 2025
• Connecticut: Nov 1, 2024 – Jan 15, 2025
• District of Columbia: Nov 1, 2024 – Jan 31, 2025
• Idaho: Oct 15, 2024 – Dec 15, 2024
• Kentucky: Nov 1, 2024 – Jan 16, 2025
• Maine: Nov 1, 2024 – Jan 16, 2025
• Maryland: Nov 1, 2024 – Jan 15, 2025
• Massachusetts: Nov 1, 2024 – Jan 23, 2025
• Minnesota: Nov 1, 2024 – Jan 15, 2025
• Nevada: Nov 1, 2024 – Jan 15, 2025
• New Jersey: Nov 1, 2024 – Jan 31, 2025
• New Mexico: Nov 1, 2024 – Jan 15, 2025
• New York: Nov 16, 2024 – Jan 31, 2025
• Pennsylvania: Nov 1, 2024 – Jan 15, 2025
• Rhode Island: Nov 1, 2024 – Jan 31, 2025
• Vermont: Nov 1, 2024 – Jan 15, 2025
• Washington: Nov 1, 2024 – Jan 15, 2025

When Will Coverage Start With an Extension?

Typically, if you enroll by December 15, coverage begins January 1. If you enroll after December 15, coverage often starts February 1 or later. However, states offering extensions may have unique rules, so always verify coverage start dates with your state’s marketplace.

Where Can You Find Your State’s Obamacare Website?
All state sites are listed on the
HealthCare.gov homepage. After choosing your state, you’ll be directed to the correct exchange, whether it’s federal or state-based.

Potential Last-Minute Changes
States with their own exchanges can issue last-minute extensions. The federal government can also extend deadlines for states using the federal marketplace. Check
HealthCare.gov and your state’s marketplace regularly for any updates on 2025 enrollment extensions.