The 2025 health insurance Open Enrollment Period starts in just a few weeks, offering an important opportunity for both existing and new consumers to secure coverage. It’s worth noting that Affordable Care Act (ACA) exchanges are the only place people can shop to receive advanced premium tax credits (APTCs) and cost sharing reductions (CSRs), which can significantly lower the cost of health care coverage for eligible individuals and families. In 2021, as part of the American Rescue Plan (ARP) financial assistance was made available to more consumers and at greater levels. The Inflation Reduction Act (IRA), passed in 2022, extended the enhanced subsidies for an additional three years, set to expire at the end of 2025.According to the Centers for Medicare and Medicaid Services (CMS) in plan year 2024 the average monthly premium with APTC across all exchanges was $105, with the average tax credit at $536.
For states that operate on HealthCare.gov, the Open Enrollment Period is scheduled to run from November 1st to January 15th, providing a three-month window for individuals to make these crucial decisions about their health care coverage. For plan year 2025, 20 states will be operating state-based exchanges (SBEs), Georgia being the newest state to operate an exchange. SBE states have the authority to adjust open enrollment dates to better suit their residents’ needs. For example, Your Health Idaho began its open enrollment period on October 15th and Get Covered New Jersey ends their open enrollment period on January 31st.
As the 2025 Health Insurance Open Enrollment Period approaches, it’s vital for individuals to stay informed about the specific dates and opportunities available in their state. If consumers need help shopping for coverage, many states offer in-person, online or on-the-phone help through navigators, brokers, and assisters. Be sure to check with your state’s exchange if you need assistance.
| State | Enrollment Window |
| Alabama | November 1, 2024 – January 15, 2025 |
| Alaska | November 1, 2024 – January 15, 2025 |
| Arizona | November 1, 2024 – January 15, 2025 |
| Arkansas | November 1, 2024 – January 15, 2025 |
| California | November 1, 2024 – January 31, 2025 |
| Colorado | November 1, 2024 – January 15, 2025 |
| Connecticut | November 1, 2024 – January 15, 2025 |
| Delaware | November 1, 2024 – January 15, 2025 |
| District of Columbia | November 1, 2024 – January 31, 2025 |
| Florida | November 1, 2024 – January 15, 2025 |
| Georgia | November 1, 2024 – January 15, 2025 |
| Hawaii | November 1, 2024 – January 15, 2025 |
| Idaho | October 15, 2024 – December 15, 2024 |
| Illinois | November 1, 2024 – January 15, 2025 |
| Indiana | November 1, 2024 – January 15, 2025 |
| Iowa | November 1, 2024 – January 15, 2025 |
| Kansas | November 1, 2024 – January 15, 2025 |
| Kentucky | November 1, 2024 – January 15, 2025 |
| Louisiana | November 1, 2024 – January 15, 2025 |
| Maine | November 1, 2024 – January 15, 2025 |
| Maryland | November 1, 2024 – January 15, 2025 |
| Massachusetts | November 1, 2024 – January 23, 2025 |
| Michigan | November 1, 2024 – January 15, 2025 |
| Minnesota | November 1, 2024 – January 15, 2025 |
| Mississippi | November 1, 2024 – January 15, 2025 |
| Missouri | November 1, 2024 – January 15, 2025 |
| Montana | November 1, 2024 – January 15, 2025 |
| Nebraska | November 1, 2024 – January 15, 2025 |
| Nevada | November 1, 2024 – January 15, 2025 |
| New Hampshire | November 1, 2024 – January 15, 2025 |
| New Jersey | November 1, 2024 – January 31, 2025 |
| New Mexico | November 1, 2024 – January 15, 2025 |
| New York | November 1, 2024 – January 31, 2025 |
| North Carolina | November 1, 2024 – January 15, 2025 |
| North Dakota | November 1, 2024 – January 15, 2025 |
| Ohio | November 1, 2024 – January 15, 2025 |
| Oklahoma | November 1, 2024 – January 15, 2025 |
| Oregon | November 1, 2024 – January 15, 2025 |
| Pennsylvania | November 1, 2024 – January 15, 2025 |
| Rhode Island | November 1, 2024 – January 31, 2025 |
| South Carolina | November 1, 2024 – January 15, 2025 |
| South Dakota | November 1, 2024 – January 15, 2025 |
| Tennessee | November 1, 2024 – January 15, 2025 |
| Texas | November 1, 2024 – January 15, 2025 |
| Utah | November 1, 2024 – January 15, 2025 |
| Vermont | November 1, 2024 – January 15, 2025 |
| Virginia | November 1, 2024 – January 15, 2025 |
| Washington | November 1, 2024 – January 15, 2025 |
| West Virginia | November 1, 2024 – January 15, 2025 |
| Wisconsin | November 1, 2024 – January 15, 2025 |
| Wyoming | November 1, 2024 – January 15, 2025 |
