2020 Open Enrollment is almost here! You can apply for or renew your coverage November 1 through December 15, 2019. Sign up for deadline reminders, useful tips, and more so you don’t miss your chance to enroll.
3 ways to stay connected with the Marketplace
- Get important email or text updates. Visit the HealthCare.gov homepage, and enter your email address under “Get Important News & Updates.” Click “Sign Up.”
- Connect with someone in your community who can answer your questions. Enter your ZIP code for a list of groups and people near you. Some even offer help in languages other than English.
- Find us on social media. Follow us on Twitter and like us on Facebook for late-breaking news and important updates.
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Open Enrollment for 2020 Marketplace coverage is less than 2 months away! Make sure you don’t miss the deadline by adding these important dates to your calendar:
2020 important dates & deadlines
- 2020 Open Enrollment starts Friday, November 1, 2019.
- The last day to sign up for 2020 coverage is Sunday, December 15, 2019.
- Coverage for people who sign up during Open Enrollment starts January 1, 2020.
Note: All 2019 Marketplace plans end December 31, 2019, no matter when you enrolled.
Need coverage for the rest of 2019?
You may have other options to get or change coverage outside the yearly Open Enrollment Period. Answer these questions to see if you can apply or change through a Special Enrollment Period for the rest of 2019. You can also enroll in Medicaid or the Children's Health Insurance Program (CHIP) anytime. If you're eligible, coverage can begin immediately.
All Marketplace plans cover essential health benefits, pre-existing conditions, and preventive care. This is true for all plan categories (all “metal levels,” including Catastrophic plans) and all plan types (like HMO and PPO). Starting November 1, 2019, you can enroll in or renew a plan for 2020, so you can continue to get these benefits.
What are essential health benefits?
- Essential health benefits cover doctor’s visits, prescriptions, hospitalizations, pregnancy, and more. See the full list.
- These benefits are covered by all Marketplace plans. Specific services covered in each broad benefit category may vary based on your state’s requirements.
Is treatment for my pre-existing condition covered?
- All Marketplace plans must cover treatment for pre-existing medical conditions. This means no insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started.
- If you’re pregnant when you apply, an insurance plan can’t reject you or charge you more because of your pregnancy.
Are preventive health services included with Marketplace coverage?
- Marketplace plans cover a set of preventive services, like shots and screening tests, which are free to you when delivered by a doctor in your plan’s network.
- There are 3 sets of free preventive services for adults, women, and children. Check out the lists here.
Note: Health plans can offer other benefits, like vision, dental, or medical management programs for a specific disease or condition. You’ll see exactly what each plan offers when you compare on HealthCare.gov.
Outside the yearly Open Enrollment Period, you can only enroll in or change coverage if you qualify for a Special Enrollment Period for a Marketplace plan, Medicaid, or the Children's Health Insurance Program (CHIP).
Important: Even if none of the options on this page work for you, you can apply for 2020 Marketplace coverage starting November 1, 2019.
Do I qualify for a Special Enrollment Period?
If you experience certain types of life changes — like losing health coverage, getting married, or having a baby — you may qualify for a Special Enrollment Period to enroll in a Marketplace plan for the rest of 2019.
Do I qualify for Medicaid or CHIP?
You can apply for Medicaid and CHIP any time of year.
To apply, fill out a Marketplace application or apply directly through your state Medicaid agency. Get more information on applying for Medicaid/CHIP.
Nobody plans to get sick or hurt, but unexpected things happen even to healthy young people, so it’s important to get health insurance. As a college student, you have several options for coverage:
Student health plans & other options
- Purchase a student health plan: This is an easy and affordable way to get basic insurance coverage. If you’re in college, check with your school to see if they offer coverage.
- Stay on your parent’s plan: You may be able to stay on or get added to your parent’s health plan until you turn 26.
- Buy a Catastrophic health plan, if you qualify: If you’re under 30 and eligible to enroll in Marketplace coverage right now, you can buy a Catastrophic health plan to protect yourself from the high costs of an accident or serious illness. You’ll pay most routine medical expenses yourself.
- See if you qualify for Medicaid and the Children’s Health Insurance Program (CHIP) coverage: Medicaid and CHIP provide free or low-cost health coverage to millions of Americans. If you qualify, coverage can start right away.
Even if none of these options work for you, you can apply for 2020 Marketplace coverage starting November 1, 2019. Check back soon for more information.
Here are some important 2020 Open Enrollment dates to mark on your calendar:
Key 2020 Open Enrollment dates
- The 2020 Open Enrollment Period runs from Friday, November 1, 2019, to Sunday, December 15, 2019.
- If you don’t act by December 15, you can’t get 2020 coverage unless you qualify for a Special Enrollment Period.
- Plans sold during Open Enrollment start January 1, 2020.
Looking for coverage for the rest of 2019? Answer these questions to see if you can apply through a Special Enrollment Period. You can also enroll in Medicaid or CHIP any time, if eligible. Coverage can begin immediately.
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If you or anyone in your household had a baby or adopted a child within the past 60 days, you may qualify for a Special Enrollment Period to enroll in or change Marketplace health insurance for the rest of 2019.
How to apply with a Special Enrollment Period
- New to HealthCare.gov? Create an account to fill out an application for the first time.
- Already have Marketplace coverage? Log in to update your existing 2019 application.
When will coverage start?
When you enroll in or change plans with a Special Enrollment Period, your new health coverage can start the day your baby is born or adopted, even if you enroll in the plan up to 60 days afterward.
Note: If you adopted, you may need to submit documents, like adoption letters or records, showing the name of the person who became a dependent and the date they became one.
See the other ways you may be able to get coverage outside Open Enrollment.