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What are the deadlines for the ACA’s open enrollment period?
A list of the open enrollment deadlines for enrollment in 2023 ACA-compliant health insurance in every state. Open enrollment ended on January 15, 2023 in most states.

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Applying for ACA Coverage?
Understanding how small differences in projected income can have a large impact on your health plan costs can be key to obtaining affordable coverage.
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effective date

What is the effective date?

The effective date is the date your insurance coverage commences. In most cases, this will always be the first of a future month, although a newborn baby or newly adopted child can have coverage retroactive to the date of birth or adoption. 

Here’s more about how effective dates work when you enroll in a health plan through the exchange. 

In most cases, employer-sponsored coverage will be effective the first of the month following your enrollment, or the first of the coming plan year if you enroll or make a plan change during your employer’s open enrollment period. 

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If you enroll through your marketplace your coverage effective date mostly depends on whether you're enrolling during open enrollment or a special enrollment period.

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Open enrollment for 2022 ACA health coverage will start nationwide on November 1. In most states, it will end on January 15, 2023.