State by State 2024 prolonged open enrollment information

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For a lot of locations throughout the nation, December 15^th is the final day to join well being protection for a January 1^st begin date. Like something, this deadline comes with a number of exceptions. Sure states have prolonged open enrollment durations, giving their residents a bit of further time to make selections for 2024 protection.

We have put collectively this useful information simply so that you can decide the final doable date you possibly can join a medical insurance plan based mostly on once you need your protection to begin. Most of you’re in search of January 1st protection. In some instances, whereas there may be an prolonged enrollment interval that reaches into January, meaning your well being plan will not begin till February 1st.

Essential: In case you are receiving reimbursements for medical insurance by your employer with both an ICHRA or QSEHRA (two sorts of HRAs), a February begin date on your well being plan will imply your reimbursements will start in February as nicely.

With a number of exceptions, December fifteenth is the cutoff for Jan. 1 protection except there is a state particular extension.

States with prolonged open enrollment durations

Every state market can set their very own dates, which means they do not need to comply by the December fifteenth cutoff if they do not need to. The states which have prolonged their open enrollment durations for his or her residents embody: California, Colorado, Massachusetts, Minnesota, Nevada, New Jersey, New York, Pennsylvania, Rhode Island, Washington, and Washington D.C. Meaning when you reside in a type of states, you could have extra time to think about your medical insurance choices for 2024 than the remainder of the nation.

This is a chart summarizing key deadlines from open enrollment for these states.

Prolonged open enrollment interval deadlines for 2024

For any state not listed, they’re an FFM- state and Open Enrollment will finish on Jan. 15, 2024

State	Prolonged open enrollment dates	Deadline for 1/1 begin	Deadline for two/1 begin
California	11/1/23 – 1/31/24	12/15/23	1/31/24
Colorado	11/1/23 – 1/15/24	12/15/23	1/15/24
Connecticut	11/1/23 -1/15/24	12/15/23	1/15/24
D.C.	11/1/23 – 1/31/24	12/15/23	1/31/24
Idaho	10/15/23 -12/15/24	12/15/23	1/15/24
Kentucky	11/1/23 – 1/15/24	12/15/23	1/15/24
Maine	11/1/23 – 1/15/24	12/15/23	1/15/24
Maryland	11/1/23 – 1/15/24	12/15/23	1/15/24
Massachusetts	11/1/23 – 1/23/24	12/15/23	1/23/24
Minnesota	11/1/23 – 1/15/24	12/15/23	1/15/24
Nevada	11/1/23 – 1/15/24	12/15/23	1/15/24
New Jersey	11/1/23 – 1/31/24	12/15/23	1/31/24
New Mexico	11/1/23 – 1/15/24	12/15/23	1/15/24
New York	11/1/23 – 1/31/24	12/15/23	1/31/24
Pennsylvania	11/1/23 – 1/15/24	12/15/23	1/15/24
Rhode Island	11/1/23 – 1/31/24	12/15/23	1/31/24
Vermont	11/1/23 – 1/15/24	12/15/23	1/15/24
Washington State	11/1/23 – 1/31/24	12/15/23	1/31/24

If you happen to do not see your state listed within the chart above, then assume the default open enrollment deadline for Jan. 1st protection is December fifteenth, however it’s also possible to enroll till Jan. fifteenth for Feb. 1st protection.

What occurs if I miss the deadline for open enrollment?

Do not panic. You may need choices, relying on what sort of HRA you’re being supplied by your organization!

In case your employer affords you a QSEHRA, our group may also help you look into different plans (like sharing ministries, for instance) to couple with a person / preventative MEC plan. These prices will probably be reimbursable by your QSEHRA.

This is an necessary observe in regards to the timing. For a February 1 begin date, assume that you will must enroll earlier than the thirtieth of January. There’s necessary exceptions right here, like Blue Cross Blue Defend, for instance, which requires enrollment on the fifteenth of the earlier month. Consider these dates as you are trying to enroll in another plan or when you’ve certified for a particular enrollment interval.

In case you are being supplied an ICHRA, verify to see when you qualify for a particular enrollment interval. This is a full checklist.

Adjustments in family

You might qualify for a Particular Enrollment Interval when you or anybody in your family up to now 60 days:

Bought married.
Had a child, adopted a toddler, or positioned a toddler for foster care. Your protection can begin the day of the occasion — even when you enroll within the plan as much as 60 days afterward.
Bought divorced or legally separated and misplaced medical insurance. Be aware: Divorce or authorized separation with out dropping protection doesn’t qualify you for a Particular Enrollment Interval.
Loss of life. You’ll be eligible for a Particular Enrollment Interval if somebody in your Market plan dies and also you’re not eligible on your present well being plan because of their dying.

Adjustments in residence

Family strikes that qualify you for a Particular Enrollment Interval:
Transferring to a brand new house in a brand new ZIP code or county
Transferring to the U.S. from a overseas nation or United States territory
A scholar shifting to or from the place they attend college
A seasonal employee shifting to or from the place they each reside and work
Transferring to or from a shelter or different transitional housing. You should show you had well being protection for a number of days through the 60 days earlier than your transfer. You don’t want to supply proof when you’re shifting from a overseas nation or United States territory.

Lack of medical insurance

If you happen to or anybody in your family misplaced qualifying well being protection up to now 60 days OR expects to lose protection within the subsequent 60 days.
Shedding job-based protection
Shedding particular person well being protection for a plan or coverage to procure your self. There are a number of carriers leaving sure states or the complete particular person market altogether.
Shedding eligibility for Medicaid or CHIP
Shedding eligibility for Medicare
Shedding protection by a member of the family

Further qualifying modifications

Adjustments that make you not eligible for Medicaid or the Kids’s Well being Insurance coverage Program (CHIP)
Gaining membership in a federally acknowledged tribe or standing as an Alaska Native Claims Settlement Act (ANCSA) Company shareholder
Turning into newly eligible for Market protection since you turned a U.S. citizen
Leaving incarceration
AmeriCorps VISTA members beginning or ending their service

If you happen to do not qualify for a particular enrollment interval as a result of one of many above circumstances, your finest wager is to simply select another plan of insurance coverage (sharing ministry, short-term plans). Sadly, these alternate options will not be reimbursable beneath your organization’s ICHRA. You may want to attend till subsequent 12 months’s open enrollment to decide on a compliant well being plan to obtain reimbursements.

We’re right here to assist!

Get in contact with our group to join a plan to make use of together with your employer’s HRA. We’ll stroll you thru your choices. Simply chat with us on the backside proper of your display. You can too e-mail us at [email protected]. We might be completely happy that can assist you.

Completely satisfied open enrollment!

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