The 2025 ACA Open Enrollment Period Important Dates and Deadlines

The Affordable Care Act (ACA) Open Enrollment Period (OEP) is a time when individuals and families can sign up for health insurance for the upcoming year. If you need coverage for 2025, it’s important to know the key dates, deadlines, and steps to take to make sure you’re covered. 

In this guide, we’ll walk you through everything you need to know about the 2025 Open Enrollment Period, so you can get the health coverage you need. 

When Is the 2024 Open Enrollment Period? 

For 2024, the Open Enrollment Period runs from November 1, 2024 to January 15, 2025. During this time, anyone can sign up for a health insurance plan through the ACA Marketplace. However, there are a few key deadlines you should keep in mind: 

• November 1, 2024 – Open Enrollment begins. This is the first day you can start applying for 2025 coverage. 

• December 15, 2024 – Deadline to enroll for coverage that starts on January 1, 2025. If you miss this date, your coverage won’t start until later in the year. 

• January 15, 2025 – Final day to enroll for 2025 coverage. This is your last chance to sign up for a health plan unless you qualify for a special enrollment period later in the year. 

What Happens If You Miss the Deadlines? 

If you don’t sign up for a plan by January 15, 2025, you will likely have to wait until the next Open Enrollment Period in 2025 unless you qualify for a Special Enrollment Period. Special Enrollment is available if you’ve experienced certain life changes, such as: 

• Getting married or divorced 

• Having a baby 

• Moving to a new area 

• Losing other health coverage 

If any of these situations apply to you, you may still be able to enroll in a health plan outside of the standard Open Enrollment Period. 

What to Expect During Open Enrollment 

When applying for health insurance, it’s important to understand the various coverage options available. You’ll have the chance to choose from a range of health plans, including different levels of coverage (bronze, silver, gold, and platinum). Each plan offers a different balance of monthly premiums and out-of-pocket costs, so it’s essential to compare them to find the one that fits your needs and budget. 

Additionally, financial assistance may be available to help lower the cost of coverage. Many people qualify for subsidies or tax credits, which can significantly reduce the monthly premium you’ll pay. 

Key Reminders for a Smooth Enrollment 

Here are a few tips to ensure a successful enrollment: 

• Prepare Your Documents – You’ll need to provide information about your income, household, and any current health coverage. Having these details ready will make the process easier. 

• Review Your Current Plan – If you already have a plan through the ACA Marketplace, review it to see if it still meets your needs. Plans and prices can change each year, so it’s a good idea to shop around and compare. 

• Ask for Help – If the process feels overwhelming or you have questions, don’t hesitate to ask for assistance. We’re here to help you understand your options and make the right choice for your health and your budget. 

Get Started Today – Don’t Wait Until the Last Minute 

It’s easy to put off thinking about health insurance, but don’t wait until the last minute to enroll. The earlier you apply, the more time you’ll have to compare plans and make sure everything is in order. 

If you’re unsure about which plan is best for you or need help navigating the enrollment process, our team at Trusted Senior Specialists is ready to assist you. Give us a call today, and we’ll walk you through your options and help you find the coverage that’s right for you. 

If you have any questions or need assistance with your 2025 ACA health coverage, reach out to one of our licensed agents at Trusted Senior Specialists.

Our agents are here to help you through every step of the enrollment process. 

There is no cost or obligation for a consultation! 

We are available Monday through Friday from 8 AM to 8 PM CST,
and on Saturday by appointment.

You can reach us by calling: 1-855-952-1941 TTY: 711
 By calling this number you may be connected with a licensed agent