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Open Enrollment for 2025 Marketplace coverage starts November 1. 

Open Enrollment is right around the corner. Make sure you're ready. 

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Did you:

1. Gather basic information (PDF, 163 KB)? You can fill out your application faster if you're ready with information like birthdates and Social Security Numbers (SSNs).
2. Check to see if you might save on your coverage? Lots of people are eligible for savings.
3. Find trained helpers in your community? If you'd like a person to help you apply, search by your location

Open Enrollment for 2025 Marketplace health insurance starts on November 1! Take a few minutes today to get ready to streamline the enrollment process for a smoother experience. 

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Prepare now to save time later 

• Use this checklist (PDF, 163 KB) to collect documents and information you may need before starting your application on November 1. Taking these steps now will save you time when you apply. 
• Check if you might qualify for savings — many people do! You’ll find out for sure when you apply.   
• Understand the importance of health insurance. It covers unexpected medical expenses and essential benefits, like mental health coverage and preventive care. 
• Learn how to select the best plan for your family. Understanding a few key factors can help you compare plans.  

Don't miss the opportunity for affordable coverage on November 1! Until then, get more tips to help you prepare to apply for 2025. 

It’s important to get the flu shot each year to protect you and your family from this potentially serious disease. The Centers for Disease Control and Prevention recommends that everyone 6 months and older get a flu shot by the end of October.

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3 reasons to get the flu shot this year:

1. It’s free. With Marketplace health insurance, immunizations are a covered preventive care benefit. Your flu shot is free from a provider in your plan's network.
2. It's easy. You can get the flu shot at many locations, like pharmacies and grocery stores.
3. It helps protect you and others. A flu shot can lower your chance of getting sick and spreading the flu to others.

Get more information on protecting yourself from the flu.

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Take a couple minutes to connect so you won’t miss important news, dates, and deadlines this fall.

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Key dates to get Marketplace coverage next year:

• November 1, 2024: Open Enrollment starts — first day you can enroll in, renew, or change Marketplace plans.
• December 15, 2024: Last day to enroll in or change plans for coverage to start January 1.
• January 15, 2025: Open Enrollment ends — last day to enroll in or change Marketplace plans for the year with coverage starting February 1.

Need coverage for the rest of 2024?

• You can enroll in or change coverage only if you qualify for a Special Enrollment Period.
  Check if you qualify to enroll in or change plans now.
• You can enroll in Medicaid or the Children's Health Insurance Program (CHIP) anytime if you’re eligible. Coverage can start right away.

Never miss an important date or information — sign up for reminder emails.  

Be careful of people who may try to steal your personal information, trick you into paying them, or enroll you in coverage without your consent.  

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Ask yourself 3 questions before sharing any personal information: 

1. Is this source reliable?

• Get health coverage information from trusted government sites, like HealthCare.gov. 
• Watch for scams, especially on social media, promising money or gifts. 
• Compare plans on HealthCare.gov, and contact the Marketplace Call Center for enrollment help.

2. Is this person who they say they are?

• Make sure you know who is helping you – Ask questions and get their name, who they work for, phone number, address, email, and company website.  
• If someone says they’re from the Marketplace, get their name and agent ID number, and ask for proof of training from the U.S. Department of Health and Human Services.  

3. Is this person acting appropriately?

Some life changes can affect your coverage and how much you save on your Marketplace plan. If you have a life change, like moving or getting married, let us know as soon as possible. You may qualify for a Special Enrollment Period to enroll in or change plans.

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What changes should I report?

There are 4 types of life changes you should report to the Marketplace:

• Loss of health coverage, like losing job-based coverage or Medicaid or Children’s Health Insurance Program (CHIP) eligibility.
• Household changes, like getting married or divorced, birthing or adopting a child, or a death in the family. 
• Moving to a new ZIP code, county, or state.
• Other qualifying life events, like income changes or becoming a U.S. citizen.

Get a full list of changes to report.

How do I report changes?

• Online: Log in to update your Marketplace application.
• Phone: Call 1-800-318-2596 (TTY: 1-855-889-4325) and a representative can help you update your application.
• In person: Find someone in your community who can help you make changes.

Learn more about how to report changes.

All Marketplace health insurance plans must cover 10 categories of essential health benefits. Essential health benefits are minimum requirements for all Marketplace plans. Specific services covered in each category may be different based on your state's requirements.

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10 covered benefits:

• Ambulatory patient services (outpatient care you get without being admitted to a hospital)
• Emergency services
• Hospitalization (like surgery and overnight stays)
• Pregnancy and newborn care (both before and after birth)
• Mental health and substance use disorder services, including behavioral health treatment, counseling, and psychotherapy
• Prescription drugs
• Services like physical therapy, occupational therapy, and speech therapy
• Laboratory services
• Preventive and wellness services and chronic disease management
• Pediatric services, including oral and vision care (doesn’t include adult dental or vision coverage)

Plans must also include birth control and breastfeeding coverage. Some plans may offer dental and vision coverage.

A new address may mean new health coverage and savings options. Report your address change to get the right plan and savings for your household. 

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Move within the same state:

• Report your address change to the Marketplace. 
• Your coverage options and savings probably won't change based only on your new address. We'll let you know if you need to pick a new plan. 

Move to a new state:

• You'll need to start a new Marketplace application and pick a new plan. 
• Some states have their own Marketplace. Check your state.

Get details on how to report a move.

When a new baby arrives, you have a Special Enrollment Period for health coverage. You have 60 days to enroll in or change Marketplace coverage for your baby — and all household members on your Marketplace application. You may have new coverage options with better savings.

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Update your application online

• Already have a Marketplace plan? Report the change.
• Apply for the first time. Your coverage can start the day of the event, even if you enroll up to 60 days afterward.
• You get free preventive benefits with Marketplace coverage, like well-baby visits.

Learn more about Special Enrollment Periods and how to apply.