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The Special enrollment period for health care coverage for 2024 is six weeks in November and December. During that time, people in most states must make health care elections for next year.
Not sure how to navigate the health care marketplace? We're here to give you the answers you need about open enrollment.
The 2024 open enrollment period starts November 1, 2023, and closes December 15, 2023. If you don’t purchase health insurance by the December 15 deadline, you can’t get 2023 coverage unless you qualify for a special enrollment period. Insurance plans purchased during open enrollment take effect on January 1, 2024.
In most of the United States, you can’t buy health insurance just anytime. The only way to get health insurance if you have missed open enrollment is to experience a qualifying life event. Such events include getting married, having a baby, moving to another state, or losing other health coverage.
A Special Enrollment Period (SEP) usually lasts 60 days from the date of the qualifying event. If you miss the open enrollment deadline and do not qualify for a special enrollment period, you might consider a supplemental health insurance plan such as hospital or critical illness.
Whether you qualify for a SEP or not, you can also enroll in Medicaid and the Children’s Health Insurance Plan (CHIP) at any time during the year.
Peace of mind doesn’t have to break the bank. Aflac gives you cash to help with expenses that health insurance doesn’t. Choose an option to get started during open enrollment.
Get a Quote1 National Conference of State Legislatures - Health Insurance: Premiums and Increases. Dec. 4, 2018. http://www.ncsl.org/research/health/health-insurance-premiums.aspx.
American Academy of Actuaries - Issue Brief: Drivers of 2020 Health Insurance Premium Changes. June 2019. https://www.actuary.org/node/12893.
2 BenefitsPro.com - Key factors driving 2020 ACA premium increases. Author: Katie Kuehner-Hebert. July 1, 2019. https://www.benefitspro.com/2019/07/01/key-factors-driving-2020-aca-premium-increases/.
SHRM - Employers’ Health Costs Could Rise 6% in 2020. Author: Stephen Miller, CEBS. Aug. 20, 2019. https://www.shrm.org/resourcesandtools/hr-topics/benefits/pages/2020-large-employer-health-costs-expected-to-rise.aspx.
CNBC - Employee health benefits’ costs expected to rise 5% in 2020, new survey says. Author: Bertha Coombs. Aug. 13, 2019. https://www.cnbc.com/2019/08/13/employee-health-benefits-costs-expected-to-rise-5percent-in-2020-new-survey-says.html.
Modern Healthcare - Employer-based health insurance costs will grow 6.5% in 2020. Author: Michael Brady. Sept. 12, 2019. https://www.modernhealthcare.com/healthcare-economics/employer-based-health-insurance-costs-will-grow-65-2020.
3HealthCare.gov - Protection from high medical costs. Accessed: Oct. 15, 2019. https://www.healthcare.gov/why-coverage-is-important/protection-from-high-medical-costs/.
4 Broken Leg Diagnosis & Treatment, Mayo Clinic, June 06, 2018.
https://www.mayoclinic.org/diseases-conditions/broken-leg/diagnosis-treatment/drc-20370416.
Costs of diagnosis and treatment(s) are based on:
Transport - Ambulance Ride(1): $800.00
Source: https://health.costhelper.com/emergency-room.html.
ER - ER Visit (1): $1,575.00
Source: https://health.costhelper.com/emergency-room.html.
Diagnostic - X-Ray (1): $360.00
Source: https://health.costhelper.com/x-rays.html.
Treatment - Open reduction surgery (1): $3,192.00
Source: https://www.healthcarebluebook.com/page_ProcedureDetails.aspx?cftId=747&g=Lower+Leg+Fracture+Treatment.
Post-Treatment - Walking cast (1): $704.00
Source: https://www.healthcarebluebook.com/page_ProcedureDetails.aspx?cftId=345&g=Leg+(Walking+Cast).
Post-Treatment - Crutches (1 set): $227.50
Source: https://health.costhelper.com/crutches.html.
Wellness Maintenance - Physical Therapy (7 visits): $42.00
Source: https://health.costhelper.com/physical-therapist.html.
Total Cost: $7,152.50
5 The information provided in the Benefits Estimator is illustrative only. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Policies have limitations and exclusions that may affect benefits payable. The Aflac payout values do not guarantee an amount to be paid for the listed conditions. Benefits paid by Aflac (if any) will depend on the severity of the accident or illness, the physician diagnosis, and the treatment received. The “Aflac Pays You” data is an average of historical payments made to Aflac policyholders/certificateholders who qualified for benefits under their specific plans and does not reflect instances when benefits were not paid for a particular claim. Whether benefits are payable will be determined when a claim is processed. You must be 18 or older to apply for Aflac insurance. Availability varies by product; see your local Aflac agent for details. The out-of-pocket expenses displayed are estimated at 40% of the total medical cost, assuming that average major medical plans cover approximately 60% of the expense. Your major medical coverage may be more or less, and if an individual or family incurs expenses for non-covered benefits, these out-of-pocket expenses may increase potential unexpected costs. You will also need to pay for any limits or exclusions on your benefits which may include the number of refills for certain drugs, visits to certain specialists, or days covered for certain benefits. View Data Sources to see our underlying sources.
