2020 Obamacare Open Enrollment Dates by State

Individual and Family

2020 Obamacare Open Enrollment Dates by State

Updated on November 06, 2019

Share

The national health insurance open enrollment period for major medical coverage – also referred to as ACA or Obamacare coverage – begins on November 1st 2019 and runs through December 15th 2019 for coverage beginning on January 1st 2020, in most states.

But, some states have extended their open enrollment periods to start before, and in some cases, end after the national Obamacare open enrollment period. These states do not use the federal marketplace instead they have state-run marketplaces; but not all states with state-run marketplaces have extended open enrollment periods.

Check the chart below for specific information about the open enrollment periods for each state:

Open Enrollment Dates by State

State NameOpen Enrollment Period for 2019
AlabamaNovember 1, 2019 through December 15, 2019. 
AlaskaNovember 1, 2019 through December 15, 2019. 
ArizonaNovember 1, 2019 through December 15, 2019. 
ArkansasNovember 1, 2019 through December 15, 2019. 
CaliforniaOctober 15, 2019 through January 15, 2020.
California legislators have created a permanent extended open enrollment period.
The last day to apply for coverage with an effective date of January 1, 2020 is December 15, 2019. Coverage purchased after this date will be effective no later than February 1st 2020 – See details for California
Colorado November 1, 2019 through December 15, 2019 – Colorado extended open enrollment through January 15, 2020.
Like California, Colorado legislators have created a permanent extended open enrolment period.
The last day to apply for coverage with an effective date of January 1st, 2020 is December 15th, 2019. Coverage purchased after this date will be effective no later than Feburary 1st 2020. 
ConnecticutCT’s Open Enrollment runs: November 1, 2019 through December 15, 2019.

 

However, Connecticut legislators have issued extensions toward the end of the year in the past.

DelawareNovember 1, 2019 through December 15, 2019. 
FloridaNovember 1, 2019 through December 15, 2019 – See details for Florida
GeorgiaNovember 1, 2019 through December 15, 2019 – See details for Georgia
HawaiiNovember 1, 2019 through December 15, 2019. 
IdahoNovember 1, 2019 through December 15, 2019.
Idaho could still issue an extension toward the end of the year, however they did not extend open enrollment in 2018 or 2019. 
IllinoisNovember 1, 2019 through December 15, 2019. 
IndianaNovember 1, 2019 through December 15, 2019. 
IowaNovember 1, 2019 through December 15, 2019. 
KansasNovember 1, 2019 through December 15, 2019. 
KentuckyNovember 1, 2019 through December 15, 2019. 
LouisianaNovember 1, 2019 through December 15, 2019. 
MaineNovember 1, 2019 through December 15, 2019. 
MarylandMD has not announced extended Open Enrollment dates.
National open enrollment dates apply:  November 1, 2019 through December 15, 2019. Keep in mind that MD did not extended open enrollment in 2018 or 2019.
MassachusettsMassachusetts has extended open enrollment for 2020. The open enrollment for Massachusetts residents will run from November 1, 2019 through  January 23, 2020. 
MichiganNovember 1, 2019 through December 15, 2019. 
MinnesotaNovember 1, 2019 through December 23, 2019.
MississippiNovember 1, 2019 through December 15, 2019. 
MissouriNovember 1, 2019 through December 15, 2019. 
MontanaNovember 1, 2019 through December 15, 2019. 
NebraskaNovember 1, 2019 through December 15, 2019. 
NevadaNevada has not announced extended open enrollment dates for 2020.
National open enrollment dates apply: November 1, 2019 through December 15, 2019. 
New HampshireNovember 1, 2019 through December 15, 2019. 
New JerseyNovember 1, 2019 through December 15, 2019. 
New MexicoNovember 1, 2019 through December 15, 2019. 
New YorkNovember 1, 2019 through January 31st, 2020.
North CarolinaNovember 1, 2019 through December 15, 2019 – See details for North Carolina. 
North DakotaNovember 1, 2019 through December 15, 2019. 
OhioNovember 1, 2019 through December 15, 2019. 
OklahomaNovember 1, 2019 through December 15, 2019. 
OregonNovember 1, 2019 through December 15, 2019. 
PennsylvaniaNovember 1, 2019 through December 15, 2019. 
Rhode IslandRI has announced an extended open enrollment period. Open enrollment for Rhode Island residents will run from December 1st through December 31st, 2019.
South CarolinaNovember 1, 2019 through December 15, 2019. 
South DakotaNovember 1, 2019 through December 15, 2019. 
TennesseeNovember 1, 2019 through December 15, 2019. 
TexasNovember 1, 2019 through December 15, 2019 – See details for Texas 
UtahNovember 1, 2019 through December 15, 2019. 
VermontVT has not announced extended open enrollment dates for 2020. They are unlikely to extend open enrollment as they did not do so in 2019.
National open enrollment dates apply: November 1st, 2019 – December 15th 2019. 
VirginiaNovember 1, 2019 through December 15, 2019. 
WashingtonWashington has not announced extended open enrollment dates for 2020.
However, after the original deadline for 2019 it was announced that the open enrollment period was extended to December 20th.
National open enrollment dates apply: November 1st 2019 through December 15th 2019.
Washington DCNovember 1, 2019 through January 31, 2020.
Washington DC has permanently extended open enrollment dates.
West VirginiaNovember 1, 2019 through December 15, 2019. 
WisconsinNovember 1, 2019 through December 15, 2019. 
WyomingNovember 1, 2019 through December 15, 2019. 

Your “effective date” refers to the date when you can start to use your new health insurance plan.
The effective date for a health insurance plan bought during the national open enrollment period is January 1st of the following year.

Please note that if you enroll in health insurance in a state that has extended their open enrollment period, the effective date of your coverage will vary based on when you apply.

We’ll let you know when we publish anything new.