Open Enrollment for Health Insurance 2023
The Health Insurance Marketplace is for people who do not have health insurance.
The Marketplace can help you receive health insurance if you don’t have it through work, Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or another source that provides qualifying health coverage.
If you have job-based insurance, you can purchase a plan through the Marketplace, but you’ll have to pay full price unless your employer’s insurance meets certain criteria. The majority of job-based programs meet the requirements.
You can’t switch to Marketplace insurance, supplement your coverage with a Marketplace plan, or purchase a Marketplace dental plan if you have Medicare. Learn everything there is to know about Medicare and the Marketplace.
2023 Open Enrollment runs from November 1, 2022, through January 15, 2023.
Enroll by December 15, 2022, for coverage that starts January 1, 2023.
After January 15, you can enroll in 2023 health insurance only if you qualify for a Special Enrollment Period.
Contact a Marketplace Navigator
Navigators assist consumers in finding affordable coverage that meets their needs and assists consumers beyond the enrollment process to ensure they have the tools and resources they need to use and maintain their health coverage throughout the year. This service is free of charge to everyone.
Create a Marketplace Account
Head to healthcare.gov to create your healthcare marketplace account. During account creation, you’ll be asked to enter basic information such as name, address, and an email address to get started.
Get Ready to Apply
Gather the necessary documents required to find coverage that meets your needs.
- Name, address, contact information
- Social Security numbers
- Birth dates
- Employer information
- Income information
- Preferred health care providers
- Names of prescription medications
Find Out if You’re Eligible Instantly
When you submit your application, you’ll find out what type of coverage and plan discounts you qualify for. Tax credits are applied based on income to help pay for monthly premiums, or lower copayments, coinsurance, and deductibles.
Compare Plans and Enroll
Compare the health plans and prices that are offered to you, and enroll in what you feel best meets your needs.
After enrollment, you should receive a packet in the mail with your new insurance card and more information about your enrollment plan.