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The ACA open enrollment period for 2025 begins November 1, 2024 and ends with the ACA open enrollment deadline 2025 on January 15, 2025. Please note, this is the deadline in most states, some states have a different deadline. 

Here are the states that have their own deadlines:

1. California, New Jersey, New York, Rhode Island and DC – Open enrollment ends Jan 31, 2025.
2. Idaho – Open enrollment deadline is Dec 16, 2024.
3. Massachusetts – Open enrollment ends on Jan 23, 2025.

ACA Open Enrollment

During the 2025 ACA open enrollment period, beneficiaries can either enroll in a new ACA health plan or renew their current coverage.

For those who enroll by December 15, 2024, coverage begins on January 1, 2025. For enrollments submitted between December 16, 2024, and January 15, 2025, coverage is effective as of February 1, 2025.

Agents, click here for ACA contracting

Watch our YouTube video on ACA contracting

Special Enrollment Periods (SEPs)

If you miss the Open Enrollment deadline, you may still have the opportunity to get coverage through a Special Enrollment Period (SEP). SEPs are triggered by qualifying life events such as:

1. Losing health insurance.
2. Changes in household, including marriage, divorce, or birth of a child
3. Moving to a new area that offers different pan choices

Usually, enrollees have 60 days from the date of the event to enroll in a new health plan. It’s important to act quickly to avoid a lapse in coverage.

Medicaid and CHIP Enrollment

For those who qualify, Medicaid and CHIP (the Children’s Health Insurance Program) allow year-round enrollment. These programs provide either low-cost or free health coverage to qualified individuals and families. It is easy to check eligibility on each states ACA enrollment website of by visiting healthcare.gov or your states Medicaid office.

Enrollment Process

1. Consider healthcare needs and budget to help decide what type of plan will be the best fit.
2. Use tools on HealthCare.gov to compare plan coverage, costs, and provider networks.
3. Many individuals/families qualify for a subsidy like premium tax credits and cost-sharing reductions to make coverage more affordable.
4. Gather necessary documents such as Social Security numbers, proof of income such as paystubs or other documents, and current insurance information.
5. Licensed navigators, brokers, and other resources are available to help with the enrollment process.

Avoid common problems

Do not put off enrollment until the last minute. This helps to avoid making hasty decisions and lets enrollees consider their options and get coverage in a timely manor and avoid gaps in coverage.

Make sure all the information entered is accurate, mistakes can cause delays in coverage or even denials.

For those renewing coverage; be sure to understand plan changes and updates to ensure the plan is still the best option.

The ACA Marketplace

The ACA marketplace is an important resource for millions of Americans. It provides comprehensive health coverage for many people who may not otherwise have it.

Healthcare agents, click here for ACA certifications and training

Click here for a Demo of the ACA Agent and Agency Portal

For more information, visit HealthCare.gov or contact your state’s marketplace.