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Open enrollment


Learn more about open enrollment and how it keeps healthcare costs so low, and why health share is becoming such a popular choice for many in our handy guide, “Ultimate Guide To Open Enrollment”.

In addition to this guide, we’ll put you in contact with health care experts who can guide you with information and pricing from top healthcare providers.

Enrollment FAQ's

"Frequently Asked Questions" about annual open enrollment.

Annual Open Enrollment is a period of time each year when individuals and employees can sign up for or change or drop (if your insurance plan is provided by an employer) their health insurance coverage.

If you don't sign up for health insurance during Open Enrollment, your options are limited until the next Open Enrollment period, unless you experience a qualifying event.

Enrollment dates vary by state and based on the insurer that oversees the plan. Check your state requirements to see your deadline.

In almost all states, open enrollment will start on November 1 and end on December 15. There are 13 fully state-run exchanges that run their own enrollment platforms and have the option to add additional time before or after the regularly scheduled Open Enrollment period.

There are also three state-run exchanges (California, Colorado, and Washington DC) where Open Enrollment has been permanently extended. And Pennsylvania, which has a state-run exchange for the first time.

  • Washington DC: Open enrollment permanently set at November 1 to January 31.
  • California: Open enrollment permanently set at November 1 to January 31.
  • Colorado: Open enrollment permanently set at November 1 to January 15.
  • Pennsylvania: Open enrollment for 2021 set at November 1 to January 15.

Once Open Enrollment ends, you won't have an opportunity to enroll or make changes to your coverage for 2021 without a qualifying event.

If you are not interested in fee-for-service plans or traditional insurance, you still have options. You can set up a health savings account, utilize short-term health plans (available in all but 10 states), look into Farm Bureau plans if you live in Kansas, Tennessee or Iowa, or join a rapidly growing healthcare option such as a health share program.

Health share programs unite members with common ethical or religious beliefs to facilitate voluntary sharing of eligible medical expenses. These programs can have access to top medical professionals and care networks, including some that offer CVS Caremark prescription benefits, CVS Minute Clinic and Health Hub care, and access to 95% of the providers in the nation through Aetna's First Health PPO network.

While many consumers obtain health care plans that are subsidized and are administered through employers, there are other healthcare options. The government has a healthcare insurance marketplace where you can seek coverage regardless of employment status. Nonprofit health sharing programs are also a great option for many. These organizations are for people with shared religious or ethical values and provide access to quality, affordable healthcare.

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