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Learn About the Enrollment
Periods and How to Get Coverage
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What You Need to Know About the Enrollment Periods

There are two distinct enrollment periods for health insurance: the Open Enrollment Period and the Special Enrollment Period.

Understanding the difference between the two is important to knowing which plans you can qualify for and when.

Open Enrollment Period: The Open Enrollment Period is the best time to enroll in a Government Plan. These are the plans created by the Affordable Care Act. You cannot be denied acceptance to a Government Plan for preexisting medical conditions. These plans also offer subsidies or “discounts” to your premium and costs, but only if you meet certain income qualifications.

For 2021 plans, the Open Enrollment Period is from November 1, 2020 to December 15, 2020. You must enroll by the 15th of the current enrollment month for your coverage to start on the 1st of the upcoming month. For example, you need to enroll by December 15, 2020 for your coverage to start January 1st, 2021.

Learn more about the Open Enrollment Period here.

Special Enrollment Period: The Special Enrollment Period basically begins after the Open Enrollment Period ends. It is the time period outside of Open Enrollment. During this time, the only way to get a Government Plan is you have certain life changes, known as “Qualifying Life Events.”

If you miss Open Enrollment and do not have a Qualifying Life Event, you can still get coverage through a Non-Government Plan. These plans are a great and often inexpensive way to provide you with short term coverage, specifically until the next Open Enrollment Period.

Learn more about the Special Enrollment Period and Qualifying Life Events here.

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GovernmentHealthInsurance.com is an independent marketplace and is not a federal or state Marketplace website. GovernmentHealthInsurance.com does not provide quotes or sell insurance directly to consumers, is not affiliated with any exchange, and is not a licensed insurance agent or broker. Accordingly, you should not send us (via mail or email) any sensitive information, including personal health information or applications. Any such communications will not be treated as confidential and will be discarded, as, in offering this website, we are required to comply with the standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website or go to the Health Insurance Marketplace website at www.HealthCare.gov

Advertised Pricing:

There are several factors that impact your monthly premium; including, but not limited to your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, this result is subject to change.