The 2016 Open Enrollment period for the Affordable Care Act (Obamacare) is November 1, 2015 to January 31, 2016. Key deadlines are:
- November 1, 2015: Open Enrollment starts. Enroll or change your coverage here.
- December 15, 2015: Deadline to have coverage that begins on January 1, 2016 (if you apply on December 16 you’re coverage will most likely not start until February 1).
- December 31, 2015: Coverage ends for 2015 plans. You will be auto-renewed if you don’t change your plan.
- January 31, 2016: This is the last day you can apply for 2016 coverage before the end of Open Enrollment.
If you miss this window you cannot enroll until the Marketplace re-opens in November 2016 unless you have a special “life event” such as having a baby or losing your job. You’ll also be just to a fine of 2.5% of your income or $695 per adult, whichever is greater.
Individuals and children living in poverty can enroll at anytime in Medicaid or the Children’s Health Insurance Program (CHIP). There is no enrollment period for these programs, but there are a income restrictions and a number of other qualifiers.
For information on 2015 Open Enrollment deadlines go here.