The open enrollment period comes around every fall as a time for many Americans to opt into an insurance plan for the upcoming year.
Open enrollment 2023 is a critical time for your employees to review their existing insurance coverage and make decisions that will affect their family throughout the following year. For important information relating to enrollment periods and qualifications for special enrollment, read below.
When is open enrollment 2023?
In the majority of states, the open enrollment period for health coverage that begins on January 1, 2023, is November 1, 2022 to January 15, 2023. In order to guarantee coverage that begins on January 1, 2023, employees must enroll by December 15, 2022.
However, many states have different time periods for when people are allowed to enroll so it is essential to keep up with your state’s rules and regulations.
These are states that have different dates than those listed above:
- California: November 1, 2022 through January 31, 2023
- Idaho: October 15, 2022 through December 15, 2022
- Massachusetts: November 1, 2022 through January 23, 2023
- New Jersey: November 1, 2022 through January 31, 2023
- New York: November 16, 2022 – Enrollment open through the end of the ongoing COVID pandemic
- Rhode Island: November 1, 2022 through January 31, 2023
- Washington DC: November 1, 2022 through January 31, 2023
Other Dates and Special Enrollment Periods to be Aware of
- In the past 60 days you had one of these household changes:
- Marriage
- Having a baby, adopting a child or placing a child for foster care
- Legally separated or divorced causing a loss of health insurance
- Someone on your Marketplace plan dies
- Changes in residence, including:
- Moving to a new ZIP code or county
- Moving to the United States from a foreign country
- For students, moving to or from a place that you are attending school
- For seasonal workers, moving to or from a place you live and work
- Moving to or from a shelter or other types of transitional housing
- If you or a member of your household lost health insurance in the 60 days prior to enrollment (or more than 60 days ago and before January 1, 2020)
- If you are a member of your household were recently employed and gained access to an individual coverage HRA or a Qualified Small Employer Health Reimbursement Arrangement in the past 60 days or expect to in the next 60 days
- Becoming a member of a federally recognized tribe
- Beginning or ending service as a AmeriCorps State and National, VISTA, or NCCC member
- Recently became a U.S. citizen
- Leaving incarceration
For more information and updated information about the open enrollment period, refer to healthcare.gov.
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