The annual Health Insurance Open Enrollment period is your opportunity to sign up for or change your health insurance coverage through the ACA Marketplace. Here’s everything you need to know for 2025.
Key Dates
Open Enrollment Start: November 1, 2024
Open Enrollment End: January 15, 2025
Coverage Start Date: January 1, 2025 (if enrolled by December 15)
What’s New for 2025
Several changes affect health insurance coverage this year:
Enhanced subsidies continue - The enhanced premium tax credits from the Inflation Reduction Act remain in effect
Plan updates - Insurers have updated their plan offerings and networks
Cost changes - Premiums and out-of-pocket costs have been adjusted
How to Enroll
Through Healthcare.gov
Most states use the federal marketplace at Healthcare.gov. Create an account, enter your household information, and compare plans.
State-Based Marketplaces
Some states run their own marketplaces with different deadlines and options. Check if your state has its own exchange.
Choosing the Right Plan
Consider these factors when selecting a plan:
Premium - Your monthly cost
Deductible - What you pay before insurance kicks in
Network - Make sure your doctors are covered
Prescription coverage - Check if your medications are included
Total cost - Calculate your expected annual spending
Getting Help
Free assistance is available:
Navigators and certified application counselors
Insurance agents and brokers
Healthcare.gov customer service: 1-800-318-2596
Next Steps
Don’t wait until the last minute. Start comparing plans early to make an informed decision about your 2025 health coverage.
Tools
Coverage Quiz - Find the right health coverage for your situation
ACA marketplace open enrollment runs November 1 - January 15 in most states. Medicare open enrollment is October 15 - December 7. Employer plan enrollment varies by company but is typically in fall for January 1 coverage start.
▸Can I change health insurance outside open enrollment?
Yes, with a qualifying life event: marriage, divorce, birth/adoption, losing other coverage, moving to new area, or certain income changes. You typically have 60 days from the event to enroll in new coverage.
▸What should I consider during open enrollment?
Review: Are your doctors still in-network? Are your prescriptions covered? How does the deductible compare to your expected healthcare usage? Did premiums change? Consider HSA-eligible plans if you’re healthy and want tax advantages.
▸How do I know if I qualify for health insurance subsidies?
ACA premium subsidies are based on household income (100-400% of federal poverty level, with expanded assistance through 2025). Use Healthcare.gov’s calculator to estimate subsidies based on your expected income and household size.
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