Don’t wait! Take action today to ensure you don’t miss the crucial deadlines to apply for, re-enroll in, or make changes to your 2024 healthcare coverage!

Today marks the last day of The Affordable Care Act (ACA) open enrollment season for 2024 in the majority of states across the US. 

This year’s open enrollment period brings a unique twist: the deadline has been extended to Jan. 16 in most states, one day later than the usual cutoff, due to the Martin Luther King Jr. Day falling on January 15 (the traditional deadline). Additionally, we are witnessing record-breaking enrollment, partly driven by the millions of individuals who have recently transitioned from Medicaid and are now seeking alternative affordable coverage options through the ACA Marketplaces. 

For those who enroll now, coverage will take effect on February 1, 2024. 

If you’re still without coverage, in most states, you have until midnight on January 16 to enroll. The best way to get started is on your state’s health insurance exchange website or  

If you find yourself facing difficulties navigating the process using a website, have questions, or are feeling unsure about where to start, rest assured that health insurance brokers and navigators are readily available to assist you without any charges. It’s also worth noting that the prices they offer are identical to what you would encounter on your own—there are no additional fees for seeking their guidance. 

To discover a list of licensed brokers, visit your state’s marketplace website or directly contact the marketplace to locate a broker conveniently located near you. Their expertise will help you navigate the process with ease. 

To enroll outside the designated dates mentioned above, you may need to meet eligibility requirements for a Special Enrollment Period (SEP). Qualifying Life Experiences (QLEs) that may make you eligible for a SEP encompass a variety of circumstances, such as: 

  • Loss of qualifying health coverage (Note: This SEP does not include loss of coverage due to nonpayment of premiums) 
  • Change in household size 
  • Change in primary place of living that results in access to new QHPs 
  • Change in eligibility for Marketplace coverage or help paying for coverage 
  • Enrollment or plan error 
  • Estimated annual household income below 150% of the federal poverty level (FPL) 
  • Loss of Medicaid or Children’s Health Insurance Program (CHIP) coverage between March 31, 2023, and July 31, 2024 
  • Other situations and exceptional circumstances 

Don’t delay, get insured today!