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When can you purchase Major Medical Health Insurance?

Typically we can purchase major medical health insurance during the open enrollment period. For the year 2020, the federal marketplace offers enrollment from November 1 through December 15 but this can change annually so you'll need to check each year for changes.


If your state has its own exchange below are the options in these states.

  • California – Nov. 1, 2020, to Jan. 31, 2021

  • Colorado – Nov. 1, 2020, to Jan. 15, 2021

  • D.C. – Nov. 1, 2020, to Jan. 31, 2021

  • Massachusetts – Nov. 1, 2020, to Jan. 23, 2021

  • Minnesota – Nov. 1 to Dec. 22, 2021

  • Nevada – Nov. 1, 2020, to Jan. 15, 2021

  • New Jersey -- Nov. 1, 2020, to Jan. 31, 2021

  • New York – Nov. 1, 2020, to Jan. 31, 2021

The only other time you can get an individual health insurance plan is if you have a qualifying event that launches a special enrollment period. These events may have caused you to lose your health coverage. The special enrollment period lasts 60 days.

Special enrollment qualifying events include:

  • Getting married

  • Having a baby, adopting a child, or placing a child for adoption or foster care

  • Moving

  • Becoming a U.S. citizen

  • Leaving incarceration

  • Losing other health coverage due to job loss, divorce, COBRA expiration, or aging off a parent’s plan

  • Losing eligibility for Medicaid or the Children’s Health Insurance Program (CHIP)

  • People with a marketplace plan already may be eligible for a special enrollment period if there’s a change in income or household status that affects eligibility for premium tax credits or cost-sharing subsidies

  • Gaining status as a member of an Indian tribe

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