Federal open enrollment for Americans in need of a 2023 health care plan will run from Nov. 1, 2022, to Jan. 15, 2023. If you live in a state that has its own health insurance exchange, the deadline may be later. You can check out the guide below to find out the details in your state.
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Obamacare open enrollment is for people who want to buy or make changes to their individual health plan. If your employer provides health insurance, ask your human resources department when open enrollment takes place; new employees should be able to purchase their company’s health insurance outside of open enrollment if doing so for the first time.
Many premium rates are rising next year due to inflation, but subsidies will blunt the costs for many people.
If you miss the healthcare open enrollment deadline, you can still purchase health insurance during a special enrollment period to buy coverage. Special enrollment is generally tied to a qualifying life event, like marriage, divorce, the birth or adoption of a child, a move across state lines, or the loss of health insurance.
If you’re eligible for Medicaid, you can apply for it at any time during the year. Read this state-by-state guide to Medicaid to see if you qualify. If you’re eligible for Medicare, then you may already be enrolled, although many people still need to apply for it, so be sure to check your enrollment status on Medicare.gov. Medicare is a public health insurance program for people over age 65 and people with severe disabilities.
Scroll down to see open enrollment dates, projected premiums, participating insurers and other important information regarding open enrollment 2022 in your state. Plans purchased through the health insurance marketplace during the upcoming open enrollment period by Dec. 15 will begin Jan. 1, 2023.
A health insurance plan purchased between Jan. 1 and Jan. 15 will take effect on Feb. 1, 2023.
Note: Unless otherwise noted, premium rate changes are pending approval by the Federal Centers for Medicare and Medicaid.
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Alabama
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Premiums for 2023 are rising. Average rates are 3.91% higher for Blue Cross Blue Shield, 8.13% higher for Bright Health, and 13.92% higher for UnitedHealthcare.
Participating insurers: Blue Cross Blue Shield, Bright Health, UnitedHealthcare
Other stuff to know: Ambetter/Celtic and Ascension/US Health & Life are joining the exchange in 2023.
Alaska
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Premiums for 2023 will rise sharply for some people. Moda’s premiums are expected to rise an average of 3.96% but Blue Cross Blue Shield has proposed to increase rates by an average of 20.51%.
Participating insurers: Moda Assurance, Premera Blue Cross Blue Shield
Other stuff to know: Premiums are expected to increase this year, but premium tax credits and income limits have increased under the federal American Rescue Plan and people who didn’t previously qualify for premium tax credits may now qualify.
Arizona
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Average premiums are expected to decrease for six of the eight insurance companies selling marketplace plans in Arizona. Banner Health and Health net have proposed average decreases of 5.52% and 2.41%, respectively. Cigna is basically holding rates steady, while Blue Cross Blue Shield, Bright Health, Medica, Oscar and UnitedHealthcare have proposed average increases ranging from 4.18% to 12.35%.
Participating insurers: Banner Health and Aetna, Blue Cross Blue Shield, Bright Health, Cigna, Health Net of Arizona, Medica, Oscar, UnitedHealthcare
Other stuff to know: The average monthly premium in 2022 was $180 after expanded subsidies.
Arkansas
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Health insurance companies in Arkansas have proposed premium increases across the board, ranging from 3.06% to 7.86%.
Participating insurers: Ambetter (Celtic Insurance Company), USAble Mutual (Blue Cross Blue Shield), HMO Partners, QCA, QualChoice
Other stuff to know: Oscar will no longer offer marketplace plans in 2023.
California
Enrollment deadline: Jan. 31, 2023
Marketplace: Covered California
What’s happening to premiums: Every insurer will increase average premiums with Oscar plans seeing the highest increase at 13.54%.
Participating insurers: Anthem Blue Cross, Blue Shield of California, Chinese Community Health Plan, County of Santa Clara, Health Net, Kaiser Permanente, LA Care Health Plan, Molina Healthcare, Oscar Health Plan of California, Sharp Health Plan, Universal Care, Western Health Advantage
Other stuff to know: Bright Health Group withdrew from the individual market after one year.
Colorado
Enrollment deadline: Jan. 15, 2023
Marketplace: Connect for Health Colorado
What’s happening to premiums: Most companies want to raise premiums, drastically in some cases. Friday Health Plans proposed an average increase of 24.22% and Bright Health proposed an average increase of 20.96%. But Denver Health proposed an average decrease of 2.58%.
Participating insurers: Anthem, Bright Health, Cigna Health, Denver Health, Friday Health, HMO Colorado, Kaiser, Rocky Mountain Health Plans
Other stuff to know: Oscar will no longer offer plans after 2022.
Connecticut
Enrollment deadline: Jan. 15, 2023
Marketplace: Access Health CT
What’s happening to premiums: Insurers have proposed average rate increases ranging from 8.59% to 24.77%. .
Participating insurers: Anthem, ConnectiCare Benefits, Inc., ConnectiCare Insurance Company
Other stuff to know: About 100,000 people sign up for health insurance on Access Health CT.
Delaware
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Average rates will increase by 5.48% for Obamacare plans from Highmark, the only insurance company that offered exchange plans in 2022.
Participating insurers: Highmark (Blue Cross Blue Shield), Aetna Health, AmeriHealth
Other stuff to know: Aetna Health and AmeriHealth are joining the marketplace for 2023.
District of Columbia (Washington, D.C.)
Enrollment deadline: Jan. 31, 2023
Marketplace: DC Health Link
What’s happening to premiums: Insurers propose average increases ranging from 17.03% to 29.08%.
Participating insurers: CareFirst BlueCross BlueShield, GHMSI, Kaiser Permanente
Other stuff to know: Many forms of diabetic care will be provided with no cost-sharing in 2023.
Florida
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: One company, Capital Health Plan, has proposed an average premium decrease of 1.18%. Every other insurer is proposing increases, ranging from an average 0.77% to 29.04%.
Participating insurers: AvMed, Amerihealth Caritas, Blue Cross Blue Shield, Bright Health, Capital Health Plan, Cigna, Coventry Health Plan of Florida (Aetna/CVS), Florida Health Care Plan, Health First Commercial Plans, Health Options, Molina Healthcare of Florida, Oscar Insurance Company, Sunshine State Health Plan, UnitedHealthcare of Florida
Other stuff to know: Florida has the highest enrollment in exchange plans across all states.
Georgia
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Insurers propose average increases ranging from 1.1% to 23.89%.
Participating insurers: Alliant, Ambetter, Blue Cross, Bright Health, CareSource, Cigna, Kaiser Permanente, Oscar, UnitedHealthcare
Other stuff to know: The Biden administration blocked Georgia’s efforts to create its own exchange.
Hawaii
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Insurers propose average increases ranging from 1.77% to 2%.
Participating insurers: Hawaii Medical Service Association, Kaiser Foundation
Other stuff to know:
Idaho
Enrollment deadline: Dec. 15, 2022
Marketplace: Your Health Idaho
What’s happening to premiums: Most rates are decreasing, with insurers proposing average drops ranging from 0.21% to 8.95%
Participating insurers: Blue Cross of Idaho Health Service, Molina Healthcare, Montana Health Co-Op, PacificSource Health Plans, Regence BlueShield of Idaho, SelectHealth
Other stuff to know: While has an earlier Dec. 15 deadline to sign up for insurance, open enrollment also started earlier, on Oct. 15.
Illinois
Enrollment deadline: Jan. 15, 2023
Marketplace: Get Covered Illinois (in partnership with Healthcare.gov)
What’s happening to premiums: Insurers have proposed average rate increases ranging from 3.26% to 15.86%.
Participating insurers: Blue Cross Blue Shield, Celtic Insurance Company, Cigna, Health Alliance Medical Plans, MercyCare, Molina Healthcare, Oscar Health Plan, Quartz Health Benefit Plans, SSM Health Plan, UnitedHealthcare
Other stuff to know:
Indiana
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Insurers have proposed average rate increases ranging from 0.51% to 9.51%.
Participating insurers: Anthem, CareSource, Cigna, Celtic Insurance Company, US Health and Life
Other stuff to know: Cigna has made plans available in eight counties.
Iowa
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Wellmark proposed decreases averaging 0.91%, while Medica and Oscar proposed increases averaging 9.74% and 5.04%, respectively.
Participating insurers: CareSource, Medica Insurance Company, Oscar Insurance Company, WellMark Health Plan of Iowa
Other stuff to know: CareSource is offering plans in four counties.
Kansas
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Insurers are requesting average premium rate increases ranging from 2.31% to 21.42%.
Participating insurers: Blue Cross and Blue Shield, Celtic, Cigna, Medica Insurance Company, Oscar Insurance Company, US Health and Life, UnitedHealthcare
Other stuff to know: Kansas is one of four states where UnitedHealthcare has expanded to the marketplace.
Kentucky
Enrollment deadline: Jan. 15, 2023
Marketplace: Kynect
What’s happening to premiums: Insurers proposed average increases ranging from 3.34% to 7.15%.
Participating insurers: Anthem Health Plans of Kentucky, CareSource Kentucky, Molina Healthcare of Kentucky, WellCare Health Plans of Kentucky
Other stuff to know:
Louisiana
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Louisiana Health Service & Indemnity proposed an average decrease of 19.86%. The other insurers proposed average increases ranging from 4.55% to 11.75%.
Participating insurers: CHRISTUS Health Plan Louisiana, HMO Louisiana, Louisiana Health Service & Indemnity Company, Louisiana Healthcare Connections, UnitedHealthcare, Vantage Health Plan
Other stuff to know:
Maine
Enrollment deadline: Jan. 15, 2023
Marketplace: CoverME.gov
What’s happening to premiums: Insurers proposed average increases ranging from 8.40% to 12.93%.
Participating insurers: Anthem Health Plans, Harvard Pilgrim Health Care, Maine Community Health Options, Taro Health
Other stuff to know: Taro Health will debut plans on the marketplace this year.
Maryland
Enrollment deadline: Jan. 15, 2023
Marketplace: Maryland Health Connection
What’s happening to premiums: Insurers proposed average increases ranging from 7.15% to 25.98%.
Participating insurers: CareFirst BlueChoice, CareFirst of Maryland, GHMSI, Kaiser Foundation, Optimum Choice, UnitedHealthcare
Other stuff to know:
Massachusetts
Enrollment deadline: Jan. 23, 2023
Marketplace: Massachusetts Health Connector
What’s happening to premiums: Insurers requested average rate increases ranging from 2.52% to 15.4%.
Participating insurers: AllWays Health Partners, Blue Cross and Blue Shield, Boston Medical Center Health Plan, ConnectiCare, Fallon Community Health Plan, Harvard Pilgrim Health Care, Health New England, HPHC Insurance Company, Tufts Health Public Plans, UnitedHealthcare
Other stuff to know:
Michigan
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Blue Cross Blue Shield proposed a decrease of 2.78%. Other insurers proposed average increases ranging from 0.91% to 12.94%.
Participating insurers: Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan Mutual Insurance Co., McLaren Health Plan Community, Meridian Health Plan of Michigan, Molina Healthcare of Michigan, Oscar Insurance Co., Physicians Health Plan, Priority Health, UnitedHealthcare Community Plan, US Health and Life Insurance Co.
Other stuff to know:
Minnesota
Enrollment deadline: Jan. 15, 2023
Marketplace: MNsure
What’s happening to premiums: Blue Plus proposed an average decrease of 2.16%. Ohter insurers proposed average increases ranging from 1.9% to 22.68%.
Participating insurers: Blue Plus, Group Health (HealthPartners), Medica Insurance Company, Quartz, UCare
Other stuff to know: There are 37 more plans available than last year.
Mississippi
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Insurers requested average rate increases ranging from 3.02% to 8.13%.
Participating insurers: Ambetter of Magnolia, Blue Cross & Blue Shield, Cigna Health and Life Insurance, Molina Healthcare of Mississippi, UnitedHealthcare, Vantage Health Plan
Other stuff to know: UnitedHealthcare is joining the Mississippi marketplace for 2023.
Missouri
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Cox and Aetna proposed average decreases of 2.77% and 0.2% respectively. Other insurers requested average rate increases from 3.22% to 20.85%.
Participating insurers: Aetna, Blue Cross and Blue Shield of Kansas City, Celtic Insurance Company, Cigna Life Insurance Company, Cox Health Systems Insurance Company, Healthy Alliance Life Company (Anthem BCBS), Medica Insurance Company, Oscar Insurance Company, SSM Health Insurance Company, UnitedHealthcare
Other stuff to know: United Healthcare is joining the Missouri marketplace for 2023.
Montana
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Insurers proposed average increases ranging from 2.27% to 15.74%.
Participating insurers: Blue Cross and Blue Shield of Montana, Montana Health Cooperative, PacificSource Health Plans
Other stuff to know:
Nebraska
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Nebraska Total Care proposed an average decrease of 10.39%. Other insurers proposed average increases ranging from 2.53% to 8.77%.
Participating insurers: Bright Health Insurance Company, Medica Insurance Company, Nebraska Total Care, Oscar
Other stuff to know:
Nevada
Enrollment deadline: Jan. 15, 2023
Marketplace: Nevada Health Link
What’s happening to premiums: Insurers have proposed average increases ranging from 1.35% to 20.96%.
Participating insurers: Aetna, Friday Health Plans of Nevada, Health Plan of Nevada, HMO Colorado (HMO Nevada), Hometown Health Plan, SelectHealth, SilverSummit Healthplan
Other stuff to know: There are 37 more plans available than last year.
New Hampshire
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Celtic and Anthem BCBS proposed average increases of 8.33% and 6.51% respectively.
Participating insurers: Celtic Insurance Company, Matthew Thornton Health Plan (Anthem BCBS)
Other stuff to know:
New Jersey
Enrollment deadline: Jan. 31, 2023
Marketplace: Get Covered New Jersey
What’s happening to premiums: Insurers proposed average increases ranging from 5.41% to 9.36%.
Participating insurers: AmeriHealth, Horizon Healthcare of New Jersey, Oscar Garden State Insurance Corporation, WellCare
Other stuff to know: Aetna will start offering health insurance through Get Covered New Jersey in 2023.
New Mexico
Enrollment deadline: Jan. 15, 2023
Marketplace: New Mexico Health Insurance Exchange (beWellnm)
What’s happening to premiums: Insurers proposed average rate increases ranging from 5.44% to 16.22%.
Participating insurers: Blue Cross Blue Shield, Friday Health Plans of Colorado, Molina, Presbyterian Health Plan, Western Sky Community Care
Other stuff to know: True Health announced it would stop offering plans after 2022.
New York
Enrollment deadline: Jan. 31, 2023
Marketplace: NY State of Health
What’s happening to premiums: Insurers proposed average increases ranging from 6.91% to 28.12%.
Participating insurers: CDPHP, Excellus, Health Insurance Plan of Greater New York, Healthfirst, Healthplus, IHBC, MetroPlus, MVP Health Plan, New York Quality Healthcare Corporation, Oscar, UnitedHealthcare
Other stuff to know:
North Carolina
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Amerihealth proposed an average decrease of 13.83%. Other insurers proposed average increases ranging from 0.08% to 17.44%.
Participating insurers: Aetna, Ambetter, Amerihealth, Blue Cross and Blue Shield, Bright Health Company, Celtic, Cigna, Friday, Oscar, UnitedHealthcare
Other stuff to know: Amerihealth is serving 10 additional counties in 2023.
North Dakota
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: North Dakota approved average increases ranging from 3.3% to 8.51%.
Participating insurers: Blue Cross Blue Shield, Sanford, Medica
Other stuff to know:
Ohio
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Insurers proposed average increases ranging from 2.13% to 14.5%.
Participating insurers: AultCare, Buckeye Community Health Plan, CareSource Ohio, Community Insurance Company (Anthem BCBS), Medical Health Insurance Corp., Molina Healthcare, Oscar, Paramount, Sidecar, Summa
Other stuff to know:
Oklahoma
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Oscar proposed an average decrease of 0.05%. Other insurers proposed average increases ranging from 2.86% to 15.91%.
Participating insurers: Blue Cross Blue Shield, Celtic, CommunityCare HMO, Friday, Medica, Oscar, UnitedHealthcare
Other stuff to know: Bright Health won’t take part in the market in 2023.
Oregon
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Insurers proposed average increases ranging from 2.08% to 12.6%.
Participating insurers: BridgeSpan, Kaiser Foundation Health Plan of the Northwest, Moda Health Plan, PacificSource, Providence, Regence BlueCross BlueShield
Other stuff to know:
Pennsylvania
Enrollment deadline: Jan. 15, 2023
Marketplace: Pennie
What’s happening to premiums: Pennsylvania average increases ranging from 0.87% to 16.98%.
Participating insurers: Capital Advantage, Cigna, Geisinger, Highmark, Independence Blue Cross, Keystone Health Plan, Oscar, Pennsylvania Health & Wellness, QCC, UPMC
Other stuff to know: Nine out of 10 Pennie customers qualify for financial savings.
Rhode Island
Enrollment deadline: Jan. 15, 2023
Marketplace: HealthSource RI
What’s happening to premiums: Insurers proposed average increases ranging from 6.9% to 9.72%.
Participating insurers: Blue Cross & Blue Shield, Neighborhood Health Plan
Other stuff to know: Rhode Island is one of the few states with an individual mandate, meaning that Rhode Islanders will need to maintain qualifying health coverage or face a tax penalty.
South Carolina
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Insurers proposed average increases ranging from 9.54% to 12.23%.
Participating insurers: Absolute Total Care, Blue Cross and Blue Shield, Molina Healthcare, Cigna, First Choice Next
Other stuff to know: Amerihealth, under the name First Choice Next, and Cigna are introducing plans to the marketplace starting in 2023.
South Dakota
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Insurers proposed average increases ranging from 10.15% to 12.49%.
Participating insurers: Avera, Sanford
Other stuff to know:
Tennessee
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Insurers proposed increases ranging from 5.75% to 12.07%.
Participating insurers: BlueCross BlueShield of Tennessee, Bright Health, Celtic, Cigna, Oscar, UnitedHealthcare
Other stuff to know: US Health and Life is joining the marketplace with plans in Nashville and parts of Western Middle Tennessee.
Texas
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Aetna Health and Community First Insurance Plans proposed average decreases of 6.92% and 3.14% respectively. Other insurers proposed average increases ranging from 2.87% to 30.04%.
Participating insurers: Aetna Health, Blue Cross Blue Shield of Texas, Bright HealthCare Insurance Company of Texas, CHRISTUS Health Plan, Community Health Choice, Friday Health Insurance Company, Moda Health Plan, Molina Healthcare of Texas, Sendero Health Plans, UnitedHealthcare of Texas, Cigna
Other stuff to know: Cigna is bringing plans to 11 counties for 2023.
Utah
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Insurers proposed average increases ranging from 1.2% to 28.44%.
Participating insurers: BridgeSpan Health Company, Cigna, Molina Healthcare of Utah, Regence BlueCross BlueShield of Utah, SelectHealth, University of Utah Health Insurance Plans
Other stuff to know: Bright HealthCare is exiting the market for 2023.
Vermont
Enrollment deadline: Jan. 15, 2023
Marketplace: Vermont Health Connect
What’s happening to premiums: Insurers proposed average increases ranging from 12.46% to 17.36%.
Participating insurers: Blue Cross Blue Shield of Vermont, MVP Health Plan
Other stuff to know: Plans will expand coverage of prescription hearing aids starting in 2024.
Virginia
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Insurers across the board proposed average decreases, ranging from 7.84% to 24.75%.
Participating insurers: Aetna, CareFirst BlueChoice, Cigna, Group Hospitalization and Medical Services, HealthKeepers, Innovation Health Plan, Kaiser Foundation Health Plan of the Mid-Atlantic States, Optima Health Plan, Optimum Choice, Oscar, and Piedmont Community HealthCare
Other stuff to know:
Washington
Enrollment deadline: Jan. 15, 2023
Marketplace: Washington Healthplanfinder
What’s happening to premiums: Coordinated Care Corporation and Regence BlueCross BlueShield of Oregon proposed average decreases of 4.12% and 3.31%, respectively. Other insurers proposed average increases ranging from 5.23% to 16.09%.
Participating insurers: Bridgespan Health Company, Coordinated Care Corporation, Kaiser Foundation, LifeWise Health Plan of Washington, Molina Healthcare of Washington, PacificSource Health Plans, Premera Blue Cross, Regence, United Healthcare of Oregon
Other stuff to know: In 2021, Washington began offering Cascade Care, which creates both standard health insurance plans as well as public option plans, some of the first in the nation.
West Virginia
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Insurers proposed average increases ranging from 0.91% to 8.31%.
Participating insurers: CareSource, Highmark Blue Cross Blue Shield
Other stuff to know:
Wisconsin
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Insurers proposed average increases ranging from 0.96% to 14.54%.
Participating insurers: Aspirus Health Plan, Children’s Community Health Plan, Common Ground Healthcare Cooperative, Compcare Health Serv (Anthem BCBS), Dean Health Plan, Group Health Cooperative of South Central Wisconsin, HealthPartners, Medica Community Health Plan, MercyCare, Molina Healthcare, Network Health Plan, Quartz Health Benefit Plans Corporation, Security Health Plan, WPS Health Plan
Other stuff to know: Anthem Blue Cross Blue Shield is expanding coverage from nine to 68 counties in 2023.
Wyoming
Enrollment deadline: Jan. 15, 2023
Marketplace: Healthcare.gov
What’s happening to premiums: Insurers propose average increases ranging from 4.78% to 19.35%
Participating insurers: Blue Cross Blue Shield of Wyoming, Montana Health Cooperative
Other stuff to know: Enroll Wyoming is a nonprofit helping Wyoming residents navigate the marketplace.
Finding a health care plan for 2023
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 an ex-employer for up to 36 months, at the full cost of the policy. Learn more about COBRA.
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.
Health care sharing ministries are faith-based alternatives 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.
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