Paige Cerulli Last Updated On: January 8, 2025

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When Is Open Enrollment for Health Insurance 2025?

Open Enrollment for Health Insurance
If you’re looking for health insurance coverage, then it’s important to shop for a new policy during the open enrollment period. During open enrollment, you can enroll in a plan or change your plan for 2025. The open enrollment for health insurance 2025 begins on November 1 and lasts until January 15, 2025 for most locations, but several states use different open enrollment dates:
  • California: November 1, 2024 – January 31, 2025
  • Idaho: October 15, 2024 – December 15, 2024
  • Massachusetts: November 1, 2024 – January 23, 2025
  • New Jersey: November 1, 2024 – January 31, 2025
  • New York: November 1, 2024 – January 31, 2025
  • Rhode Island: November 1, 2024 – January 31, 2025
  • Washington: November 1, 2024 – January 31, 2025
Once the open enrollment period has ended, you will only be able to buy health insurance if you experience a qualifying life event for a Special Enrollment Period, such as if you got married, got divorced, moved, or lost your health care coverage.

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How to Prepare for Open Enrollment for Health Insurance 2025

Since open enrollment is a relatively short period, it’s important to be prepared. To start, review the open enrollment dates for your state and begin your healthcare search early on so that you have time to ask questions and get any additional information that you might need.

Evaluate Healthcare Needs

Consider your healthcare needs and what you would like to change about your current health insurance. Prepare a list of physicians that you and any family members will continue to see in 2025, so you can make sure that they’re included in the plan you choose. It’s also helpful to make a list of any medications that you or your family members need, which will help you to verify what each medication will cost under the new plan.

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Think About Your Plan Needs

Think about how well your current plan is working for you. Do you need additional coverage, such as chiropractic coverage or higher coverage amounts for specialists? Do you have any major procedures planned, like a surgery? And do you need additional coverage, like vision and dental insurance?

Gather Information

Next, gather information for each individual who will be on the plan. When you’re prepared with full names, addresses, dates of birth, and social security numbers, the process of signing up for a plan will go smoother.

How to Save Money on Health Insurance During Open Enrollment

Open enrollment gives you the chance to shop around for health insurance, which can help ensure that you’re buying the best coverage while saving money on health insurance.

When you compare plans, consider not only their premiums, but also factors like deductibles, copays, and maximum out of pocket amounts. Consider a plan with a higher deductible to save money on your monthly premiums. Just make sure that you’re prepared to pay that deductible if you or someone in your family needs care.

You can get free health insurance quotes online today to start exploring available policies and shopping for health insurance for 2025.

Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.

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