The Open Enrollment period for ACA marketplace plans generally runs from November 1 through January 15 (in most states; a small number of state-run marketplaces set their own dates). Enroll by December 15 and your coverage begins on January 1.
Outside of this window, you can only enroll in or change an ACA/Obamacare plan if you experience a Qualifying Life Event — otherwise you'll need to wait for the next Open Enrollment period. If you already have an ACA plan, it will typically renew automatically, but it's worth reviewing your options every year since plans, prices, and subsidies can change.
If you enroll during Open Enrollment, your coverage start date depends on when you sign up:
A licensed America's Health Center agent can confirm your exact start date and connect you to plans available in your area — compare options and find the best coverage for the lowest rate.
You're very likely eligible for a Special Enrollment Period outside the normal window if you:
