Open and special enrollment FAQs

When is Open Enrollment for Individual medical and dental plans?

Each year, Open Enrollment for Individual coverage starts in the fall and lasts approximately eight to ten weeks, depending on the state. See the Enrollment Periods page for the dates for 2025 open enrollment.

After open enrollment ends, you can only enroll or change plans if you qualify for Special Enrollment. Certain life changes, like getting married, having a baby or moving to a new area, could make you or those your plan covers eligible for Special Enrollment.

Can I enroll in a plan only during Open Enrollment?

Yes, unless you qualify for Special Enrollment.

When I enroll, how can I apply for federal financial assistance, like tax credits?

If you qualify for and want to use federal financial assistance, you must enroll in a health plan through HealthCare.gov., or for Idaho residents YourHealthIdaho.org. Once you submit your household and income information, you’ll find out if you qualify for a premium tax credit that lowers what you pay each month. You’ll also find out if you qualify for cost-sharing reductions. With cost-sharing reductions, you’ll pay less out of your own pocket when you get medical care.

How do I qualify for Special Enrollment?

Certain life events might qualify you for Special Enrollment. For example, getting married, having a baby or moving to a new state could make you or those you cover eligible. See if you qualify.