Health Insurance Open Enrollment Guide for 2025
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.
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