Your state-by-state guide to the Obamacare health insurance open enrollment period

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Your state-by-state guide to the Obamacare health insurance open enrollment period

Updated on Nov. 25, 2019: Federal open enrollment for Americans in need of a 2020 health care plan will run from Nov. 1, 2019 to Dec. 15, 2019. If you live in a state that has its own health insurance exchange, you may have more time to sign up for an health insurance plan. Check out the guide below to learn your state's deadline.

Obamacare open enrollment is for people who need individual health insurance. If your employer provides health insurance, ask your human resources department when open enrollment takes place.

For the second year in a row, rates are relatively stable in many states, after years of steady increases. Rates are dropping on many exchanges.

If you miss the open enrollment deadline, you'll need to qualify for a special enrollment period to buy coverage. Special enrollment is generally tied to big life events, like marriage, divorce, the birth or adoption of a child, a move across state lines or loss of health insurance.

Eligible Medicaid beneficiaries can apply to the program all year. Visit this state-by-state guide to see if you qualify for Medicaid.

Plans purchased through the health insurance marketplaces during the upcoming open enrollment period will begin Jan. 1, 2020.

What is Obamacare open enrollment?

Open enrollment is the time of year when you can sign up for health insurance. Obamacare open enrollment is when you can buy or make changes to plans on Healthcare.gov or state-based exchanges specifically. Healthcare.gov is usually open from November 1 to December 15 each year with certain state-run exchanges open longer. Scroll down to see open enrollment dates, projected premiums, participating insurers and other important information regarding Obamacare 2020 in your state.

Note: Unless otherwise specified, the premiums below exclude federal subsidies. These subsidies go a long way to shielding many shoppers from big price increases. In 2019, the 87% of Obamacare enrollees eligible for aid paid an average of $87 per month for their health plan, a downtick from $89 per month in 2018. Learn how premiums work in our Obamacare primer.

Obamacare open enrollment for 2020 plans

Alabama

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed increases ranging from 3.30% to 8.99%.
  • Participating insurers: Blue Cross and Blue Shield, Bright Health Insurance Company

Alaska

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed decrease of 0.05% for Premera plans.
  • Participating insurers: Moda, Premera
  • Other stuff to know: Alaska will have multiple Obamacare-compliant insurers for the first time since 2016, when Moda left the individual marketplace. It’s set to return in 2020.

Arizona

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate changes range from a decrease of 5.71% to an increase of 0.08%.
  • Participating insurers: Blue Cross and Blue Shield, Bright Health Company, Cigna HealthCare, Health Net, and Oscar Health Plan.

Arkansas

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate increases ranging from 0.51% to 2.89%.
  • Participating insurers: Celtic Insurance Company, QCA Health Plan, QualChoice Life & Health Insurance Company, USAble Mutual Insurance Company

California

  • Enrollment deadline: Jan. 31 (plans sold after Dec. 15 effective Feb. 1). California’s open enrollment begins two weeks early, on October 15.
  • Marketplace: Covered California
  • What’s happening to premiums: Rates will rise an average of 0.8%.
  • Participating insurers: Anthem Blue Cross of California, Blue Shield of California, Chinese Community Health Plan, Health Net, Kaiser Permanente, L.A. Care Health Plan, Molina Healthcare, Oscar Health Plan of California, Sharp Health Plan, Valley Health Plan, Western Health Advantage
  • Other stuff to know: Open enrollment in California starts Oct. 15.

Colorado

  • Enrollment deadline: Jan. 15 (plans sold after Dec. 15 effective Feb. 1)
  • Marketplace: Connect for Health Colorado
  • What’s happening to premiums: Proposed rates would decrease by an average of 18.2%.
  • Participating insurers: Anthem, Bright Health Insurance Company, Cigna Health and Life Insurance Company, Denver Health Medical Plan, Friday Health Plans, Kaiser Foundation, Oscar, Rocky Mountain HMO
  • Other stuff to know: Colorado has a new reinsurance program that’s driving down rates. Oscar is a new insurer in the Denver area.

Connecticut

  • Enrollment deadline: Dec. 15
  • Marketplace: Access Health CT
  • What’s happening to premiums: Proposed rate changes run from a decrease of 11.18% to increases from 6.85% to 15.18%.
  • Participating insurers: Anthem (BCBS), ConnectiCare Benefits

Delaware

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: They’re going down by 19%.
  • Participating insurers: Highmark Blue Cross Blue Shield
  • Other stuff to know: 2020 marks the first year insurance premiums in the state will go down since the ACA went into effect. The state attributes the decrease to the approval of its reinsurance program and its decision to “silver-load” 2019 increases.

Florida

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate changes range from a decrease of 8.42% to an increase of 3.84%.
  • Participating insurers: Celtic Insurance Company, Health First Commercial Plans, Molina Healthcare, Oscar
  • Other stuff to know: Bright and Cigna will join the exchange in 2020.

Georgia

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate changes range from a decrease of 10.21% to an increase of 4.61%.
  • Participating insurers: Alliant Health Plans, Ambetter of Peach State, Blue Cross Blue Shield, Kaiser Foundation
  • Other stuff to know: CareSource and Oscar will join the exchange for the Atlanta area in 2020.

Hawaii

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Hawaii Medical Service Association plans will decrease by 1.62%. Kaiser plans will increase by 0.12%. .
  • Participating insurers: Hawaii Medical Service Association (HMSA), Kaiser Foundation

Idaho

  • Enrollment deadline: Dec. 15
  • Marketplace: Your Health Idaho
  • What’s happening to premiums: Proposed rate increases ranging from 3.63% to 9.74%.
  • Participating insurers: Blue Cross of Idaho, Montana Health Cooperative, SelectHealth, PacificSource
  • Other stuff to know: Idaho will be expanding Medicaid to people with income up to 138% of the federal poverty level. Enrollment begins Nov. 1 for coverage effective January 2020.

Illinois

  • Enrollment deadline: Dec. 15
  • Marketplace: Get Covered Illinois (in partnership with Healthcare.gov)
  • What’s happening to premiums: Proposed rate changes range from a decrease of 4.03% to an increase of 5.80%.
  • Participating insurers: Celtic Insurance, Health Alliance Medical Plans, Blue Cross Blue Shield, Cigna HealthCare, Unity Health Plans
  • Other stuff to know: Illinois will now require insurers to offer mammogram coverage at no additional cost. The new law takes effect in January 2020.

Indiana

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate increases ranging from 2.98% to 14.35%.
  • Participating insurers: CareSource, Celtic Insurance Company

Iowa

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate changes range from a decrease of 11.28% to an increase of 4.75%.
  • Participating insurers: Medica Insurance Company, Wellmark

Kansas

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate changes range from a decrease of 8.73% to an increase of 2.58%.
  • Participating insurers: Medica Insurance Company, Blue Cross Blue Shield, Sunflower State Health Plan, Oscar, Cigna

Kentucky

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Of the two ACA-compliant insurers in Kentucky, one has requested an 11.40% increase and the other has requested a 4.46% decrease.
  • Participating insurers: Anthem Health Plans of Kentucky (Anthem Blue Cross Blue Shield), CareSource
  • Other stuff to know: Kentucky’s ran its own health insurance marketplace, called kynect, until 2017. Kentuckians now have to buy individual health plans through the federal exchange on healthcare.gov.

Louisiana

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Premiums are going up for all health insurance plans. These rate increases will span from 4.90% to 12.29%.
  • Participating insurers: HMO Louisiana, Louisiana Health Service & Indemnity Company, Vantage Health Plan

Maine

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate changes span from a 2.02% decrease to a 7.95% increase.
  • Participating insurers: Anthem Blue Cross Blue Shield, Harvard Pilgrim Health Care, Maine Community Health Options

Maryland

  • Enrollment deadline: Dec. 15
  • Marketplace: Maryland Health Connection
  • What’s happening to premiums: Requested rate changes range from a decrease of 9.08% to an increase of 3.70% to 9.07%.
  • Participating insurers: CareFirst BlueChoice, CareFirst of Maryland, GHMSI, Kaiser Foundation
  • Other stuff to know: As many as nine out of 10 Marylanders qualify for financial help on their health insurance premiums.

Massachusetts

  • Enrollment deadline: Jan. 23
  • Marketplace: Massachusetts Health Connector
  • What’s happening to premiums: In general, premiums are going up, but not by a lot. Rate changes range from a 0.26% decrease to an 8.56% increase.
  • Participating insurers: Blue Cross and Blue Shield of Massachusetts HMO Blue, Boston Medical Center Health Plan, Fallon Community Health Plan, Harvard Pilgrim Health Care, Health New England, Tufts Associated Health Maintenance Org, UnitedHealthcare Insurance Company

Michigan

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Michigan’s insurance companies have proposed premium changes range from an 8.77% decrease to an 8.28% increase.
  • Participating insurers: Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan Mutual Insurance Company, McLaren Health Plan Community, Meridian Health Plan of Michigan, Molina Healthcare of Michigan, Oscar Insurance Company, Physicians Health Plan, Priority Health, Total Health Care USA

Minnesota

  • Enrollment deadline: Dec. 23
  • Marketplace: MNsure
  • What’s happening to premiums: Proposed rate changes range from a 1.36% decrease to 4.74% increase.
  • Participating insurers: Blue Plus, Group Health (Health Partners), Medica Insurance Company, UCare

Mississippi

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Ambetter has proposed a rate increase of 3.01%.
  • Participating insurers: Ambetter of Magnolia, Molina
  • Other stuff to know: Molina is joining the exchange in 19 counties: Desoto, Forrest, Hinds, Hancock, Harrison, Jackson, Jones, Lafayette, Lamar, Lee, Madison, Marshall, Panola, Pearl River, Pontotoc, Rankin, Tate, Union and Warren. The company’s proposed rate increases have not been posted yet.

Missouri

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Rates changes for the four marketplace insurers will range from a decrease of 7.42% to an increase of 5.62%.
  • Participating insurers: Anthem Blue Cross Blue Shield, Cigna, Celtic Insurance Company, Medica Insurance Company, Oscar (starting 2020), WellFirst Health, and Cox HealthPlans
  • Other stuff to know: People with premium subsidies will need to check that they still qualify for subsidies. If the new insurers offer lower rates than existing insurers, the state’s benchmark plan will change.

Montana

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: They’re decreasing by between 6.73% and 13.41% for all three of Montana’s insurers.
  • Participating insurers: Blue Cross Blue Shield of Montana, Montana Health Co-op and PacificSource
  • Other stuff to know: Rates for people without premium subsidies will decrease, but those with subsidies will end up paying about the same amount. The premium decreases are due to a new reinsurance program.

Nebraska

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate decrease of 5.34% for Medica.
  • Participating insurers: Medica, Bright Health
  • Other stuff to know: In 2018, Nebraska only had one insurer. Now there are two, with the addition of Bright Health, which is joining the exchange in 2020.

Nevada

  • Enrollment deadline: Dec. 15. But Nevada allows you to enroll in a plan outside of the exchange year-round, with a three-month waiting period.
  • Marketplace: Nevada Health Link
  • What’s happening to premiums: Existing insurers have proposed rate changes ranging from a 0.95% decrease to a 3.32% increase.
  • Participating insurers: Health Plan of Nevada, SilverSummit HealthPlan, HMO Colorado
  • Other stuff to know: Nebraska is transitioning from the federal marketplace to its own state-run exchange. If you previously got your health coverage through healthcare.gov, you can claim your account on Nevada Health Link. Anthem (HMO Colorado) will return to the marketplace in 2020.

New Hampshire

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate changes range from a decrease of 2.39% to an increase of 8.56%
  • Participating insurers: Celtic Insurance Company, Harvard PIlgrim Health Care of NE, Matthew Thornton Health Plan (Anthem Blue Cross Blue Shield)
  • Other stuff to know: If you have a transitional (“grandmothered”) plan, you have until January 1, 2020, to renew it. 2020 is the last year you can have this type of health coverage — at the end of 2020, you will need to enroll in a new ACA-compliant plan.

New Jersey

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate increases ranging from 6.23% to 16.34%.
  • Participating insurers: AmeriHealth, Horizon Healthcare, Oscar Health

New Mexico

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rates range from a decrease of 5.99% to an increase of 1.13%.
  • Participating insurers: Blue Cross Blue Shield, Molina Healthcare, New Mexico Health Connections, True Health
  • Other stuff to know: Christus has been decertified — if you had a plan through this insurer, it will terminate on December 31, 2019.

New York

  • Enrollment deadline: Jan. 31
  • Marketplace: New York State of Health
  • What’s happening to premiums: Approved average rate increase for 2020 is 6.8% across all insurers.
  • Participating insurers: CDPHP, Health Plus HP (Empire BlueCross and Empire Blue Cross Blue Shield), Excellus, Fidelis Care, Health Insurance Plan of Greater New York (Emblem Health), Healthfirst New York, HealthNow New York, IHBC, MetroPlus, MVP Health, Oscar, UnitedHealthcare
  • Other stuff to know: New York’s exchange is one of the country’s most diverse — 12 insurers are participating but coverage varies by area.

North Carolina

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: All North Carolina insurers are lowering their rates for 2020 by between 4.70% and 8.73%.
  • Participating insurers: Cigna, Ambetter, and Blue Cross Blue Shield
  • Other stuff to know: In 2020, Bright Health will be part of the exchange in Charlotte & Winston-Salem

North Dakota

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Average premiums are decreasing by nearly 6%.
  • Participating insurers: Blue Cross Blue Shield, Medica Health Plans, Sanford Health Plan
  • Other stuff to know: Health insurance enrollment increased every year from 2014 to 2018 but declined in 2019.

Ohio

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate changes range from decreases of 10.13% to increases of 9.47%
  • Participating insurers: AultCare Insurance Company, Buckeye Community Health Plan, CareSource, Community Insurance Company(Anthem BCBS), Medical Health Insuring Corp. of Ohio, Molina Healthcare of Ohio, Oscar Buckeye State Insurance Corp., Oscar Insurance Corporation of Ohio, Paramount, Summa
  • Other stuff to know: All Ohio residents will be able to choose from at least two insurers in the exchange

Oklahoma

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate changes range from decreases of 9.40% to increases of 2.99%
  • Participating insurers: Blue Cross Blue Shield of Oklahoma, Medica Insurance Company
  • Other stuff to know:

Oregon

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate changes range from decreases of 5.25% to increases of 11.47%
  • Participating insurers: BridgeSpan Health Company, Kaiser Foundation Healthplan of the NW, Moda Health Plan, Inc., PacificSource Health Plans, Providence Health Plan
  • Other stuff to know: Oregon has debated switching to a state-run enrollment program, but will stick with HealthCare.gov for 2020

Pennsylvania

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate changes range from decreases of 2.21% to increases of 9.91%
  • Participating insurers: Capital Advantage Assurance Company, Geisinger Health Plan, Geisinger Quality Options, Highmark Choice Company, Highmark Inc., Independence Blue Cross, Keystone Health Plan East, Inc. Oscar Health
  • Other stuff to know: Pennsylvania is planning to move to a state-run marketplace for the 2021 enrollment season.

Rhode Island

  • Enrollment deadline: Dec. 15
  • Marketplace: HealthSource RI
  • What’s happening to premiums: Proposed increases of 6.95% and 5.51% for Rhode Island’s participating carriers.
  • Participating insurers: Blue Cross & Blue Shield of Rhode Island, Neighborhood Health Plan of Rhode Island
  • Other stuff to know: in Rhode Island, 2019 enrollment was almost 5% higher than in 2018.

South Carolina

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Premiums are either dropping or staying consistent in South Carolina, with proposed changes ranging from a decrease of 2.28% to a slight increase of 0.17%.
  • Participating insurers: Absolute Total Care, Inc., Blue Cross and Blue Shield of South Carolina, Bright Health, Molina
  • Other stuff to know: Bright Health and Molina are new to the exchange for 2020.

South Dakota

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Rates are increasing in South Dakota, by 5.51% and 7.46%
  • Participating insurers: Avera Health Plans, Inc., Sanford Health Plan
  • Other stuff to know: Avera and Sanford have been the only two South Dakota insurers offering plans through the marketplace since 2016, when Celtic, Wellmark, and DakotaCare all left the exchange.

Tennessee

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate changes range from a decrease of 8.28% and to an increase of 2.92%
  • Participating insurers: BlueCross BlueShield of Tennessee, Bright Health Insurance Company of Tennessee, Celtic Insurance Company, Cigna Health and Life Insurance Company, Oscar Insurance Company
  • Other stuff to know: Tennessee continues to turn down federal funding to expand Medicaid to cover low-income adults. Because of this, it’s estimated that 113,000 residents are currently in the “coverage gap,” meaning they’re both ineligible for Medicaid and also ineligible to receive premium subsidies because their income is too low.

Texas

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate changes range from a decrease of 2.26% to an increase of 13.22%
  • Participating insurers: Blue Cross Blue Shield of Texas, Celtic Insurance Company, CHRISTUS Health Plan, Community Health Choice, Inc., Molina Healthcare of Texas Inc., Oscar Insurance Company, Sendero Health Plans Inc., SHA LLC DBA FirstCare Health Plans
  • Other stuff to know: Texas has legislation going into effect as soon as 2020 to protect consumers against surprise balance billing, which occurs when out-of-network providers bill patients in need emergency care in excess of their normal cost-sharing responsibilities (copays, deductibles, coinsurance, etc)

Utah

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate changes range from a decrease of 11.54% to a decrease of 1.15%
  • Participating insurers: BridgeSpan Health Company, Cigna, Molina Healthcare of Utah, SelectHeath, University of Utah Health Insurance Plans
  • Other stuff to know: BridgeSpan Health Company is set to rejoin Utah’s exchange in 2020 after a five year absence. Meanwhile, Cigna is set to join in 2020, and Molina will expand its coverage area from nine to 13 counties.

Vermont

  • Enrollment deadline: Dec. 15
  • Marketplace: healthconnect.vermont.gov
  • What’s happening to premiums: Vermont’s two insurers, MVP Health Plans and Blue Cross Blue Shield of Vermont, have requested rate increases of 9.02% and 15.63%, respectively.
  • Participating insurers: Blue Cross Blue Shield of Vermont, MVP Health Plan Inc.
  • Other stuff to know: Legislation to create an individual healthcare mandate is set to take effect in January 2020, but the state hasn’t yet developed a penalty for noncompliance

Virginia

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate changes range from a decrease of 14.48% to an increase of 11.91%
  • Participating insurers: CareFirst BlueChoice Inc., Cigna Health and Life Insurance Company, Group Hospitalization and Medical Services Inc., HealthKeepers Inc., Kaiser Foundation Health Plan of the Mid-Atlantic States Inc., Oscar Health, Piedmont Community HealthCare HMO Inc., Virginia Premier Health Plan Inc.
  • Other stuff to know: Oscar is joining the Virginia exchange for 2020, offering coverage in the Richmond area.

Washington

  • Enrollment deadline: Dec. 15
  • Marketplace: Washington Healthplanfinder
  • What’s happening to premiums: Proposed rate changes range from a drop of 10.03% to an increase of 10.14%.
  • Participating insurers: BridgeSpan Health Company, Coordinated Care Corporation, Kaiser Foundation Health Plan of Washington, Kaiser Foundation Healthplan of the NW, LifeWise Health Plan of WA, Molina Healthcare of Washington, Inc., Premera Blue Cross
  • Other stuff to know: Starting in 2021, Washington state will enact a “public option” plan in an attempt to control health insurance costs.

Washington D.C. (District of Columbia)

  • Enrollment deadline: Jan. 31, 2020
  • Marketplace: DC Health Link
  • What’s happening to premiums: Rates in D.C. are expected to increase, ranging from a 5% increase all the way up to 15.47%.
  • Participating insurers: CareFirst BlueChoice, Inc., GHMSI, Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.

West Virginia

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate increases range from 5.86% to 9.10%
  • Participating insurers: CareSource West Virginia Co., Highmark Blue Cross Blue Shield West Virginia

Wisconsin

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Proposed rate changes range from a drop of 16.78% to an increase of 7.59%.
  • Participating insurers: Aspirus Arise Health Plan of Wisconsin, Inc., Children's Community Health Plan, Common Ground Healthcare Cooperative, Dean Health Plan, Group Health Cooperative of South Central Wisconsin, HealthPartners Insurance Company, Medica Health Plans of Wisconsin, MercyCare HMO, Inc., Molina Healthcare of Wisconsin, Inc., Network Health Plan, Quartz Health Benefit Plans Corporation, Security Health Plan of Wisconsin, Inc., WPS Health Plan, Inc.
  • Other stuff to know: Wisconsin is one of the few states remaining that still offer health insurance through health co-ops.

Wyoming

  • Enrollment deadline: Dec. 15
  • Marketplace: Healthcare.gov
  • What’s happening to premiums: Premiums are expected to increase by 1.61% from Wyoming’s sole insurer on the exchange.
  • Participating insurers: Blue Cross Blue Shield of Wyoming

Finding a health care plan for 2020

If your state health insurance marketplace has closed and you're not eligible for Medicaid or Medicare, the federal health insurance program for citizens and permanent residents at retirement age, you will need to qualify for a special enrollment period to buy an Obamacare plan.

You generally qualify for special enrollment after:

  • The loss other health coverage

  • Marriage

  • Divorce

  • The birth of a baby

  • The adoption a child

  • Moving across state lines

  • Gaining Citizenship or "lawful presence in the U.S."

  • Leaving incarceration

If you qualify for special enrollment, check out our guide to shopping the health insurance exchanges.

Health insurance alternatives

If you don't qualify for special enrollment and need health insurance or can't find an affordable plan in your area, there are a few ways to get at least some level of coverage. These include:

  • COBRA or The Consolidated Omnibus Budget Reconciliation Act, which lets you keep a health care plan from a ex-employer for up to 36 months, at the full cost of the policy.
  • Short-term health insurance, which is cheaper, but much less comprehensive than traditional coverage. These plans don't have to cover pre-existing conditions or Obamacare's essential benefits. (Policygenius partner Agile can help you compare the costs of short-term health plans across insurers.)
  • Health care sharing ministries: A faith-based alternative to health insurance in which individuals and families pay a monthly “sharing amount” similar to a health insurance premium and use those funds to cover ministry-approved medical expenses.

You can learn more about these and other short-term health insurance alternatives here.

Additional reporting by Colin Lalley, Myles Ma, Hanna Horvath, Brooke Niemeyer, Zack Sigel, Elissa Suh, Derek Silva, Pat Howard, Anna Swartz and Reina Marszalek.

Disclosure: This post contains references to products or services from one or more of our advertisers or partners. These codes earn us a small fee at no additional cost to you.

Image: Michele Constantini