Open enrollment by state guide, 2024-2025

Where do I shop for health insurance in Alabama?

Alabama residents use the federal exchange, HealthCare.gov.

When is open enrollment for Alabama?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Alabama residents with qualifying life events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Alabama

• Blue Cross Blue Shield of Alabama
• Bright Health

What are the 2024 insurance rates for Alabama?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the open enrollment statistics for Alabama health insurance?

• Individual health insurance. 258,327 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 97% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 1, 2023, 1,203,853 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 1,092,706 beneficiaries of Medicare in Alabama.

Alabama health insurance and employee benefits resources

• The Alabama Department of Insurance regulates health insurance companies, agents, and brokers.
• AIDS Alabama/Enroll Alabama is the federally-funded Navigator organization in Alabama.
• The Alabama State Health Insurance Assistance Program provides assistance and counseling for Medicare beneficiaries.
• Alabama Medicaid Agency
• All Kids – Alabama Public Health provides low-cost healthcare coverage for children and teens under age 19 who live in Alabama.

Where do I shop for insurance in Alaska?

Residents enroll through the federal exchange: HealthCare.gov.

When is open enrollment for Alaska?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Alaska residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Alaska

• Premera
• Moda

What are the 2024 insurance rates for Alaska?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for Alaska health insurance?

• Individual health insurance. 25,572 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 86% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 1, 2023, 266,917 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 113,928 beneficiaries of Medicare in Alaska.

Alaska health insurance resources

• AK Health Reform provides research, data, and analysis regarding the state of healthcare in Alaska.
• Denali KidCare provides healthcare for children.
• United Way of Anchorage is the federally-funded Navigator organization in Alaska.
• Alaska State Health Insurance Counseling and Assistance Programs (SHIP) provides local information and assistance for Medicare beneficiaries.

Where do I shop for insurance in Arizona?

Arizona residents use the federal exchange, HealthCare.gov.

When is open enrollment for Arizona?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Arizona residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Arizona

• Blue Cross Blue Shield of Arizona
• Health Net of Arizona (aka Ambetter from Arizona Complete Health)
• Cigna
• Oscar
• Bright Health

What are the 2024 insurance rates for Arizona?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for Arizona health insurance?

• Individual health insurance. Over 235,229 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 84% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 1, 2023, 2,283,588 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 1,447,924 beneficiaries of Medicare in Arizona.

Arizona health insurance resources

• The Arizona Department of Insurance regulates health insurance companies, agents, and brokers.
• Arizona Association of Community Health Centers (AACHC)/Arizona Alliance for Community Health Centers serve as Arizona’s federally-funded Navigator organizations that help individuals and families enroll in health coverage through the exchange.
• Arizona Health Care Cost Containment System provides Medicaid health coverage to various low-income populations.
• Arizona State Health Insurance Assistance Program provides a variety of counseling, advice, and assistance with Medicare issues.

Where do I shop for insurance in Arkansas?

Arkansas residents use the federal exchange, HealthCare.gov.

When is open enrollment for Arkansas?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Arkansas residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Arkansas

• QCA Health Plan Inc
• UnitedHealthcare Insurance Co of River Valley
• UnitedHealthcare Insurance Company
• QualChoice Life & Health Insurance Co
• HMO Partners Inc (Health Advantage)
• Arkansas Blue Cross and Blue Shield
• UnitedHealthcare Insurance Co of AR

What are the 2024 insurance rates for Arkansas?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for Arkansas health insurance?

• Individual health insurance. 100,407 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 91% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 1, 2023, 982,963 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 664,413 beneficiaries of Medicare in Arkansas.

Arkansas health insurance resources

• Arkansas Center for Health Improvement is an organization dedicated to improving the health of Arkansans through evidence-based research, public issue advocacy, and collaborative program development.
• The Arkansas Insurance Department Consumer Services Division assists consumers with questions and complaints about insurance.
• ARKIDS 1ST provides health insurance for children.
• Arkansas Senior Health Insurance Information Program provides Medicare assistance.

Where do I shop for insurance in California?

California residents use the Covered California state-based exchange.

When is open enrollment for California?

California has permanently adopted a three-month open enrollment schedule that takes place:

November 1, 2023 - January 31, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 31 will begin coverage on February 1.

Outside of that window, California residents with qualifying life changes can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in California

California has one of the largest numbers of carriers in the individual market, with 11 insurance companies participating this year. California is divided into 19 pricing regions, and 88% of Covered California consumers will have at least three health insurance companies to choose from in their region. Anthem and Oscar are expanding their coverage areas this year, which means people in these areas will have more choices.

The following carriers offer individual insurance plans on the California state exchange:

• Anthem Blue Cross of California 
• Blue Shield of California
• Chinese Community Health Plan
• Health Net
• Kaiser Permanente
• L.A. Care Health Plan
• Molina Healthcare
• Oscar Health Plan of California 
• Sharp Health Plan
• Valley Health Plan
• Western Health Advantage

What are the 2024 insurance rates for California?

The preliminary average insurance rate for all plans in California in 2024 is $665, an increase of 9.60%. 

Some independent contractors are now eligible for benefits from their employer

In 2020, a new California law reclassified many independent contractors as employees, which makes them eligible for labor law protections, including minimum wage, worker’s compensation, employer contributions to Social Security and Medicare (FICA taxes), and overtime pay. Newly reclassified employees are also eligible for health benefits from applicable large employers (ALEs).

Organizations will generally be able to use the look-back method to determine if newly reclassified workers are working full-time. They will have up to a year to make the determination and begin offering coverage to employees who work over 30 hours per week. The look-back method is only available for employees with seasonal or variable hours (these typically include employees who schedule their own work time).

Does California cap prescription costs?

In 2016, Covered California passed a price cap on high-cost specialty drugs, like those needed for HIV, AIDS, Diabetes, Hepatitis C, and other chronic conditions. The cap means that most consumers will not pay more than $250/month for these medications. These caps apply to plans purchased both on and off the exchange.

What are the enrollment statistics for California health insurance?

• Individual health insurance. Over 1,719,130 residents enrolled in individual insurance through the CoveredCA exchange during the 2023 open enrollment period. Of these, roughly 90% receive premium subsidies.
• Medicaid and CHIP. As of May 1, 2023, 14,358,898 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 6,718,061 beneficiaries of Medicare in California.

Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.

California health insurance resources

• California Association of Health Plans. A statewide trade association representing 45 full-service healthcare plans that provide coverage to more than 25 million Californians.
• California Department of Health Care Services. The backbone of California’s healthcare safety net, helping millions of low-income and disabled Californians each and every day.
• California Department of Managed Health Care. Protects consumers’ healthcare rights and ensures a stable healthcare delivery system.
• California HealthCare Foundation. Agent for meaningful, measurable improvements in the way the health care delivery system provides care to the people of California, particularly those with low incomes and those whose needs are not well served by the status quo.
• California State Department of Insurance. The largest consumer protection agency in the state.
• Health Access California. A statewide healthcare consumer advocacy coalition advocating for quality, affordable healthcare for all Californians.

Where do I shop for insurance in Colorado?

Colorado residents use the state-based exchange: ConnectforHealthColorado.

When is open enrollment for Colorado?

November 1, 2023 - January 15, 2024

Enrollments completed by December 15, 2023, will have coverage effective January 1, 2024. Enrollments completed between December 16 and January 15 will have coverage effective February 1, 2024.

Outside of that window, Colorado residents with qualifying life changes can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Colorado

• Anthem
• Kaiser
• Bright
• Cigna 
• Rocky Mountain Health Plans
• Denver Health
• Oscar

What are the 2024 insurance rates for Colorado?

The preliminary average insurance rate for all plans in Colorado in 2024 is $563, an increase of 9.78%.

What are the enrollment statistics for Colorado health insurance?

• Individual health insurance. 199,391 residents enrolled in health insurance plans through Connect for Health Colorado during the 2023 open enrollment period. Of these, roughly 75% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2023, 1,715,088 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 1,001,428 beneficiaries of Medicare in Colorado.

Colorado health insurance resources

• Colorado Child Health Plan Plus (CHP+) provides assistance to children 18 and younger and pregnant women 19 and older.
• Colorado Division of Insurance. Regulates health insurance companies that offer plans in the state, as well as brokers and agents.
• The Colorado Department of Health Care Policy and Financing oversees Medicaid and CHP+ in Colorado.
• Colorado.gov/Health. Resource for people with questions about health insurance in Colorado.
• Colorado Senior Healthcare/Medicare resources. Provides information and assistance to Medicare beneficiaries and their caregivers.

Where do I shop for insurance in Connecticut?

Connecticut residents use the state-based exchange: Access Health CT.

When is open enrollment for Connecticut?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Connecticut residents with qualifying life events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Connecticut

• Anthem Health Plans
• Connecticare Benefits Inc.
• Connecticare Insurance Co.

What are the 2024 insurance rates for Connecticut?

The average insurance rate for all plans in Connecticut in 2024 is $926, an increase of 9.40%.

What are the enrollment statistics for Connecticut health insurance?

• Individual health insurance. 108,132 residents enrolled in health insurance plans through Access Health CT during the 2023 open enrollment period. Of these, roughly 82% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 1, 2023, 1,007,852 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 728,371 beneficiaries of Medicare in Connecticut.

Connecticut health insurance resources

• Connecticut CHOICES Program. Enrollment assistance for Medicare beneficiaries
• The Connecticut Insurance Department regulates the state’s health insurance companies, brokers, and agents.
• Husky Healthcare. Health coverage for lower-income Connecticut residents.

Where do I shop for insurance in Delaware?

Delaware’s exchange is a partnership between the state and the HHS, with residents enrolling through: HealthCare.gov.

When is open enrollment for Delaware?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Delaware residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Delaware

• Aetna Health
• AmeriHealth Caritas VIP Next Inc.
• Celtic
• Highmark Blue Cross Blue Shield of Delaware

What are the 2024 insurance rates for Delaware?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for Delaware health insurance?

• Individual health insurance. 34,742 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 90% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 1, 2023, 309,636 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 234,605 beneficiaries of Medicare in Delaware.

Delaware health insurance resources

• Delaware Healthy Children Program provides healthcare for children.
• Delaware Department of Insurance. Regulates insurance companies, brokers, and agents who sell policies in the state.
• Delaware Medical Assistance Portal is the state’s Medicaid site.
• Delaware Medicare Assistance Bureau provides local assistance for Medicare beneficiaries.

Where do I shop for insurance in Washington D.C.?

Washington, D.C. residents use the district-based exchange: DC Health Link.

When is open enrollment for Washington D.C.?

November 1, 2023- January 31, 2024

Residents must enroll by December 15 for coverage to start January 1, by January 15 for coverage to start February 1, and by January 31 for coverage to start March 1.

Outside the open enrollment period, you generally can enroll in a health insurance plan if you have a qualifying life event.

Participating insurance carriers in Washington D.C.

• Group Hospitalization and Medical Services (CareFirst PPO)
• CareFirst Blue Choice (CareFirst HMO)
• Kaiser of the Mid-Atlantic States

What are the 2024 insurance rates for Washington D.C.?

The U.S. Centers for Medicare & Medicaid Services (CMS) will release the benchmark monthly premium rate for 2024 in late October 2023.

The benchmark rate is the second-lowest-cost silver plan for a 27-year-old. 

The preliminary average insurance rate for Washington D.C. in 2024 is $738, an increase of 12.31%.

What are the enrollment statistics for Washington, D.C. health insurance?

• Individual health insurance. 14,504 residents enrolled in health insurance plans through DC Health Link during the 2023 open enrollment. Of these, roughly 16% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 1, 2023, 296,827 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 94,652 beneficiaries of Medicare in Washington D.C.

Washington D.C. health insurance resources

• The Department of Aging and Community Living provides free assistance for Medicare beneficiaries.

Where do I shop for insurance in Florida?

Florida uses the federal health insurance marketplace. Residents enroll through: HealthCare.gov.

When is open enrollment for Florida?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Florida residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Florida

• AvMed
• Blue Cross Blue Shield of Florida
• Bright Health
• Cigna
• Florida Blue HMO
• Florida Health Care Plan Inc.
• Ambetter
• Molina
• Health First Health Plans
• Oscar Health

What are the 2024 insurance rates for Florida?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for Florida health insurance?

• Individual health insurance. 3,225,435 Floridians enrolled in exchange plans during the 2023 open enrollment period. Of these, roughly 97% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid/CHIP. As of May 1, 2023, 4,751,303 residents were enrolled in Medicaid/CHIP.
• Medicare. As of May 2023, there were 4,985,731 Florida residents enrolled in Medicare.

Key insurance legislation and protection in Florida

Florida’s balance billing protections are among the nation’s strongest. Insurers must cover emergency care at in-network rates, whether or not the providers are in-network or the patient could choose another provider.

“Balance bills” primarily occur in two circumstances:

1. When an enrollee receives emergency care either at an out-of-network facility or from an out-of-network provider
2. When an enrollee receives elective nonemergency care at an in-network facility but is inadvertently treated by an out-of-network healthcare provider

Florida health insurance resources

• Florida Consumer Action Network (FCAN). A grassroots organization that empowers citizens to influence public policy by organizing and educating in areas where consumer voices are underrepresented.
• Florida Kid Care. Insurance resources for children up to the age of 18.
• FloridaHealthFinder.gov. Administrator of the Florida Medicaid program, licensure and regulation of Florida’s health facilities, and information provider to Floridians about the quality of care they receive.

Where do I shop for insurance in Georgia?

Georgia residents use the federal exchange, HealthCare.gov.

When is open enrollment for Georgia?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Georgia residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Georgia

• Alliant
• Ambetter from Peach State Health Plan - aka Centene
• Blue Cross Blue Shield Healthcare Plan of Georgia
• Kaiser
• Oscar
• CareSource

What are the 2024 insurance rates for Georgia? 

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for Georgia health insurance?

• Individual health insurance. Over 879,084 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 93% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 1, 2023, 2,532,570 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 1,879,764 beneficiaries of Medicare in Georgia.

Georgia health insurance resources

• Georgia Department of Community Health (DCH). The lead agency for Medicaid also oversees the State Health Benefit Plan and Healthcare Facility Regulation Division (HFRD), impacting one in four Georgians.
• Office of Insurance and Safety Fire Commissioner. Regulates and licenses health insurance products sold in the state, as well as the brokers and agents who sell them.
• The Georgia Cares State Health Insurance Assistance Program provides counseling and assistance for Medicare beneficiaries and their caregivers.
• Georgia Association for Primary Health Care, Inc. (GAPHC). Serves as the state’s federally-funded Navigator organization, helping people enroll in private health plans or Medicaid on the exchange.

Where do I shop for insurance in Hawaii?

The state oversees all plans sold, but Hawaii residents use the federal exchange to enroll: HealthCare.gov.

When is open enrollment for Hawaii?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Hawaii residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Hawaii

• HMSA
• Kaiser

What are the 2024 insurance rates for Hawaii?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for Hawaii health insurance?

• Individual health insurance. 21,645 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 84% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 1, 2023, 461,170 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 298,533 beneficiaries of Medicare in Hawaii.

Hawaii health insurance resources

• The Hawaii Department of Commerce and Consumer Affairs regulates health insurers, agents, and brokers.
• Hawaii Medicaid is the state’s Medicaid site.

Where do I shop for insurance in Idaho?

Idaho residents use the state-based exchange: Your Health Idaho.

When is open enrollment for Idaho?

October 15, 2023 - December 15, 2023

Outside the open enrollment period, you generally can enroll in a health insurance plan if you have a qualifying life event.

Participating insurance carriers in Idaho

• Blue Cross of Idaho
• Mountain Health CO-OP
• PacificSource
• Select Health
• Regence BlueShield of Idaho

What are the 2024 insurance rates for Idaho?

The U.S. Centers for Medicare & Medicaid Services (CMS) will release the benchmark monthly premium rate for 2024 in late October 2023.

The benchmark rate is the second-lowest-cost silver plan for a 27-year-old. 

The preliminary average insurance rate for all plans in Idaho in 2024 is $481, a decrease of 0.03%. 

What are the enrollment statistics for Idaho health insurance?

• Individual health insurance. Over 79,927 residents enrolled in health insurance plans during the 2023 open enrollment period. Of these, roughly 81% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 1, 2023, 430,487 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 378,590 beneficiaries of Medicare in Idaho.

Idaho health insurance resources

• The Idaho Department of Insurance regulates health insurance companies, agents, and brokers.
• Idaho Medicaid provides healthcare benefits for low-income Idaho residents.

Where do I shop for insurance in Illinois?

Illinois residents will shop for health insurance at HealthCare.gov.

The state runs the Get Covered Illinois website, which offers resources and assistance to residents who need help shopping for an insurance plan.

When is open enrollment for Illinois?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Illinois residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Illinois

• Celtic Insurance Co. (Ambetter)
• Bright Health
• Health Alliance Medical Plans, Inc. (HAMP)
• Health Care Service Corporation (HCSC, Blue Cross Blue Shield of Illinois)
• Cigna
• Quartz Health Benefit Plans Corporation

What are the 2024 insurance rates for Illinois?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for Illinois health insurance?

• Individual health insurance. 342,995 people enrolled in qualified health plans (QHPs) through the Illinois health insurance marketplace during the 2023 open enrollment period. Of these, roughly 88% of Illinois residents using the exchange receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 1, 2023, 3,843,425 residents were enrolled in Medicaid or CHIP.
• Medicare. As of May 2023, there were 2,346,109 beneficiaries of Medicare in Illinois, about 18 percent of the state’s population.

Key health insurance legislation and protection in Illinois

Expanded mammogram coverage took effect in January 2020. SB162 requires insurers to continue to fully cover screening mammograms as federal law requires for preventative treatment but expands coverage to include breast ultrasounds and MRIs for women with dense breast tissue or women whose doctor believes the ultrasound or MRI is medically necessary. Insurers must also fully cover diagnostic mammograms, which are used when an abnormality is detected.

Illinois health insurance resources

• Get Covered Illinois. A state-run program includes a website, in-person assistance, and a help desk for HealthCare.gov.
• Illinois Health Matters. Information resources on healthcare reform
• Illinois Health Care Assistance serves residents enrolled in private health insurance.
• The Office of Consumer Health Insurance and the Ombudsman for the Uninsured serves residents who are uninsured as well as residents who have health insurance problems or questions.

Where do I shop for insurance in Indiana?

Indiana residents use the federal exchange, HealthCare.gov.

When is open enrollment for Indiana?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Indiana residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Indiana

• Aetna Health
• Anthem Ins Companies
• CareSource Indiana
• Celtic
• Cigna Health and Life

What are the 2025 insurance rates for Indiana?

The monthly average premium for all plans in Indiana in 2025 is $525, a decrease of 1.25% (or $7) from 2024.

What are the enrollment statistics for Indiana health insurance?

• Individual health insurance. Over 295,772 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 open enrollment period. Of these, 86.91% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 1, 2024, 1,788,233 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2024, there were 1,366,354 beneficiaries of Medicare in Indiana.

Indiana health insurance resources

• Indiana Department of Insurance. Regulates health insurance companies, brokers, and agents who sell plans.
• Affiliated Service Providers of Indiana, Inc. (ASPIN). The federally-funded Navigator organization in Indiana offers assistance for people enrolling in Medicaid or a private plan through the exchange.
• The Indiana State Health Insurance Assistance Information Program (SHIP) provides help and information to Medicare beneficiaries and their caregivers.

Where do I shop for insurance in Iowa?

Iowa has a state-run exchange, but residents enroll through the federal exchange: HealthCare.gov.

When is open enrollment for Iowa?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Iowa residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Iowa

• Medica
• Oscar
• Wellmark Health Plan of Iowa

What are the 2025 insurance rates for Iowa?

The preliminary monthly average premium for all plans in Iowa in 2025 is $567, a decrease of 3.06% (or $18) from 2024.

What are the enrollment statistics for Iowa health insurance?

• Individual health insurance. 111,423 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 open enrollment period. Of these, 88.03% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 1, 2024, 678,085 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2024, there were 680,977 beneficiaries of Medicare in Iowa.

Iowa health insurance resources

• Consumer Advocate Bureau provides assistance with navigating the healthcare system, assistance programs, and other issues related to health insurance benefits.

Where do I shop for insurance in Kansas?

Kansas residents use the federal exchange, HealthCare.gov.

When is open enrollment for Kansas?

November 1, 2024- January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Kansas residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Kansas

• Aetna
• Blue Cross and Blue Shield of Kansas City
• Blue Cross and Blue Shield of Kansas
• Celtic
• Medica
• Oscar
• UnitedHealthcare

What are the 2025 insurance rates for Kansas?

The preliminary monthly average premium for all plans in Kansas in 2025 is $689, an increase of 8.72% (or $55) from 2024.

What are the enrollment statistics for Kansas health insurance?

• Individual health insurance. 171,376 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 open enrollment period. Of these, 91% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 1, 2024, 418,808 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2024, there were 585,115 beneficiaries of Medicare in Kansas.

Kansas health insurance resources

• Kansas Insurance Department. Regulates insurance companies, agents, and brokers
• Senior Health Insurance Counseling for Kansas (SHICK) provides assistance for Medicare beneficiaries
• Kansas Department of Health, KanCare & Medicaid provides resources for lower-income Kansans
• KanCare managed care plans offer health insurance for children.

Where do I shop for insurance in Kentucky?

Kentucky residents use the state exchange, Kynect.

When is open enrollment for Kentucky?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Kentucky residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Kentucky

• Anthem Health Plans of Kentucky
• CareSource Kentucky
• Molina Healthcare of Kentucky
• Wellcare Health Plans of Kentucky

What are the 2025 insurance rates for Kentucky?

The monthly average premium for all plans in Kentucky in 2025 is $674, an increase of 7.92% (or $49) from 2024.

What are the enrollment statistics for Kentucky health insurance?

• Individual health insurance. 74,882 residents enrolled in qualified health plans (QHPs) through the state exchange during the 2024 open enrollment period. Of these, 82.29% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2024, 1,465,902 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2024, there were 982,520 beneficiaries of Medicare in Kentucky.

Kentucky health insurance resources

• Kynect – Kentucky’s Healthcare Connection is the consumer site for Kentucky’s marketplace.
• Kentucky Health Benefit Exchange is the administrative site for Kentucky’s marketplace.
• Foundation for a Healthier Kentucky. This organization is dedicated to addressing the unmet health needs of Kentuckians by developing and influencing policy, improving access to care, reducing health risks and disparities, and promoting health equity.
• Kentucky Health Insurance Advocate, Kentucky Department of Insurance. Assists people insured by private health plans, Medicaid, or other plans, as well as those who are uninsured.

Where do I shop for insurance in Louisiana?

Louisiana residents use the federal exchange, HealthCare.gov.

When is open enrollment for Louisiana?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Louisiana residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Louisiana

• Ambetter Health of Louisiana
• CHRISTUS Health Plan Louisiana
• HMO Louisiana
• Louisiana Health Service & Indemnity Company
• UnitedHealthcare

What are the 2025 insurance rates for Louisiana?

The preliminary monthly average premium for all plans in Louisiana in 2025 is $688, a decrease of 3.03% (or $22) from 2024.

What are the enrollment statistics for Louisiana health insurance?

• Individual health insurance. 212,493 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 open enrollment period. Of these, 90.91% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2024, 1,587,448 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2024, there were 932,561 beneficiaries of Medicare in Louisiana.

Louisiana health insurance resources

• Department of Health & Hospitals. Louisiana Department of Health.
• Louisiana Department of Insurance — Health Insurance Resources, regulates insurance companies, agents, and brokers who sell plans in the state.
• Louisiana Senior Health Insurance Information Program is a resource for Medicare beneficiaries.
• Louisiana Department of Health, Medicaid office

Where do I shop for insurance in Maine?

Maine residents use the state exchange, CoverME.gov

When is open enrollment for Maine?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Maine residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Maine

• Anthem Health Plans of ME
• Harvard Pilgrim Health Care (HPHC) 
• Maine Community Health Options
• Taro Health Plan of Maine

What are the 2025 insurance rates for Maine?

The monthly average premium for all plans in Maine in 2025 is $768, an increase of 8.61% (or $61) from 2024.

What are the enrollment statistics for Maine health insurance?

• Individual health insurance. 61,746 residents enrolled in qualified health plans (QHPs) through the state exchange during the 2024 open enrollment period. Of these, 81.88% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2024, 366,428 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2024, there were 376,064 beneficiaries of Medicare in Maine.

Maine health insurance resources

• The Maine Bureau of Insurance regulates health insurance companies, agents, and brokers.
• Maine State Health Insurance Assistance Program provides information and assistance for Medicare beneficiaries.

Where do I shop for insurance in Maryland?

Maryland residents use the state-based exchange, Maryland Health Connection.

When is open enrollment for Maryland?

November 1, 2024 - January 15, 2025

People who enroll by December 31 will begin coverage on January 1. Those who enroll between January 1 and January 15 will begin coverage on February 1.

Outside of that window, Maryland residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Maryland

• Aetna Health
• CareFirst BlueChoice
• CareFirst of Maryland
• GHMSI
• Kaiser Foundation Health Plan of the Mid-Atlantic States
• Optimum Choice

What are the 2025 insurance rates for Maryland?

The monthly average premium for all plans in Maryland in 2025 is $504, an increase of 6.21% (or $29) from 2024.

What are the enrollment statistics for Maryland health insurance?

• Individual health insurance. 213,895 residents enrolled in qualified plans during the 2024 open enrollment period. Of these,  73.37% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there is no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2024, 1,607,486 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2024, there were 1,138,982 beneficiaries of Medicare in Maryland.

Maryland health insurance resources

• Maryland Department of Health
• Maryland Health Education and Advocacy Unit provides services to Marylanders who need assistance with consumer or health billing issues.
• Health Care Access Maryland offers assistance on a variety of healthcare issues.
• Maryland Senior Health Insurance Program (SHIP) assists Medicare beneficiaries of any age in understanding their health insurance benefits, bills, and rights.

Where do I shop for insurance in Massachusetts?

Massachusetts residents use the state exchange Massachusetts Health Connector.

When is open enrollment for Massachusetts?

November 1, 2024 – January 23, 2025

Enroll by December 23 for coverage to start January 1. Enroll by January 23 for coverage to start February 1.

Outside of that window, Massachusetts residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Massachusetts

• Blue Cross and Blue Shield of Massachusetts HMO Blue
• Boston Medical Center Health Plan
• Fallon Community Health Plan
• Health New England
• Mass General Brigham Health Plan
• Tufts Health Public Plans
• UnitedHealthcare

What are the 2025 insurance rates for Massachusetts?

The monthly average premium for all plans in Massachusetts in 2025 is $549, an increase of 7.90% (or $42) from 2024.

What are the enrollment statistics for Massachusetts health insurance?

• Individual health insurance. Over 290,162 residents enrolled in qualified health plans (QHPs) through the state exchange during the 2024 open enrollment period. Of these, 79% receive federal premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2024, 1,685,071 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2024, there were 1,446,522 beneficiaries of Medicare in Massachusetts.

Massachusetts health insurance resources

• Children’s Medical Security Plan. Provides coverage for primary and preventive medical and dental services to uninsured children who do not qualify for any other MassHealth types of coverage other than MassHealth Limited.
• Health Care for All – Massachusetts Consumer Assistance Program. Assists people insured by private health plans, Medicaid, or other plans in resolving problems pertaining to their health coverage; assists uninsured residents with access to care.
• The Massachusetts Division of Insurance regulates health insurance companies, brokers, and agents.
• Office of Patient Protection, Department of Public Health. Assists residents and other consumers who receive health coverage from a Massachusetts carrier, insurer, or HMO.
• Massachusetts’ SHINE Program (Serving the Health Insurance Needs of Everyone) is the state’s Medicare counseling and assistance program.

Where do I shop for insurance in Michigan?

Michigan oversees plans in the state, but residents enroll on the federal exchange, HealthCare.gov.

When is open enrollment for Michigan?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Michigan residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Michigan

• Alliance Health and Life
• Blue Care Network of Michigan
• Blue Cross Blue Shield of Michigan Mutual
• Health Alliance Plan
• McLaren Health Plan Community
• Meridian Health Plan of Michigan
• Molina Healthcare of Michigan
• Oscar
• Physicians Health Plan
• Priority Health

What are the 2025 insurance rates for Michigan?

The preliminary monthly average premium for all plans in Michigan in 2025 is $572, an increase of 10.46% (or $54) from 2024.

What are the enrollment statistics for Michigan health insurance?

• Individual health insurance. More than 418,100 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 open enrollment period. Of these, 87.54% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2024, 2,460,925 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2024, there were 2,235,842 beneficiaries of Medicare in Michigan.

Michigan health insurance resources

• Michigan Department of Insurance and Financial Services. Regulates health insurance companies, brokers, and agents and serves as a resource for Michigan residents with health insurance questions or complaints.
• Arab Community Center for Economic & Social Services (ACCESS). The organization provides outreach and enrollment assistance to Michigan residents who need help obtaining health insurance.
• Michigan Medicare/Medicaid Assistance Program (MMAP) provides health benefits counseling and assistance to Medicare and Medicaid beneficiaries.

Where do I shop for insurance in Minnesota?

Minnesota residents use the state-based exchange, MNsure.

When is open enrollment for Minnesota?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Minnesota residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Minnesota

• HealthPartners
• HMO Minnesota
• Medica
• Quartz Health Plan MN Corporation
• UCare Minnesota

What are the 2025 insurance rates for Minnesota?

The monthly average premium for all plans in Minnesota in 2025 is $533, an increase of 8.29% (or $43) from 2024.

What are the enrollment statistics for Minnesota health insurance?

• Individual health insurance. 135,001 residents enrolled in qualified plans during the 2024 open enrollment period. Of these, 58.72% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2024, 1,177,036 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2024, there were 1,142,194 beneficiaries of Medicare in Minnesota.

Minnesota health insurance resources

• The Minnesota Department of Human Services, Health Care Coverage provides Medicare and Medicaid assistance.
• The Minnesota State Health Insurance Assistance Program provides information and resources for Minnesota Medicare beneficiaries.

Where do I shop for insurance in Mississippi?

Mississippi residents use the federal exchange, HealthCare.gov.

When is open enrollment for Mississippi?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Mississippi residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Mississippi

• Ambetter of Magnolia
• Blue Cross & Blue Shield of Mississippi
• Cigna Health and Life
• Molina Healthcare of Mississippi
• Primewell Health Services of Mississippi
• UnitedHealthcare of Mississippi

What are the 2025 insurance rates for Mississippi?

The preliminary monthly average premium for all plans in Mississippi in 2025 is $627, an increase of 1.82% (or $11) from 2024.

What are the enrollment statistics for Mississippi health insurance?

• Individual health insurance. 286,410 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 open enrollment period. Of these, 94.50% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2024, 625,454 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2024, there were 637,308 beneficiaries of Medicare in Mississippi.

Mississippi health insurance resources

• Health Help Mississippi. Assists residents insured by private health plans, Medicaid, or other plans, as well as those who are uninsured.

Where do I shop for insurance in Missouri?

Missouri residents use the federal exchange, HealthCare.gov.

When is open enrollment for Missouri?

November 1, 2024 - January 15, 2025

Enroll by December 23 for coverage to start January 1. Enroll by January 23 for coverage to start February 1.

Outside of that window, Missouri residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Missouri

• Aetna Life Insurance Company
• Blue Cross and Blue Shield of Kansas City
• Celtic Insurance Company
• Cox Health Systems Insurance Company
• Healthy Alliance Life Co (Anthem BCBS)
• Medica Central
• Medica
• Oscar
• UnitedHealthcare

What are the 2025 insurance rates for Missouri?

The preliminary monthly average premium for all plans in Missouri in 2025 is $639, a decrease of 1.68% (or $11) from 2024.

What are the enrollment statistics for Missouri health insurance?

• Individual health insurance. Over 359,369 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 open enrollment period. Of these, 92.20% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2024, 1,300,518 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2024, there were 1,322,414 beneficiaries of Medicare in Missouri.

Missouri health insurance resources

• Missouri Department of Insurance. Regulates health insurance plans as well as the brokers and agents who sell the plans.
• Missouri HealthNet is the Medicaid office for Missouri.
• Missouri State Health Insurance Assistance Program (CLAIM) provides help for Missouri residents with Medicare benefits.

Where do I shop for insurance in Montana?

Montana residents use the federal exchange, HealthCare.gov.

When is open enrollment for Montana?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Montana residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Montana

• Blue Cross and Blue Shield of Montana
• Montana Health Cooperative
• PacificSource Health Plans

What are the 2025 insurance rates for Montana?

The preliminary monthly average premium for all plans in Montana in 2025 is $654, an increase of 8.27% (or $50) from 2024.

What are the enrollment statistics for Montana health insurance?

• Individual health insurance. 66,336 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 open enrollment period. Of these, 86.22% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2024, 230,222 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2024, there were 260,496 beneficiaries of Medicare in Montana.

Montana health insurance resources

• First Choice Services is the federally-funded Navigator for Montana.
• Montana Medicaid and Health Montana Kids (HMK) Plus provides healthcare for children.
• Montana Medicare 101 provides information and assistance for Medicare beneficiaries.

Where do I shop for insurance in Nebraska?

The state oversees certain aspects of plans, but Nebraska residents use the federal exchange, HealthCare.gov.

When is open enrollment for Nebraska?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Nebraska residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Nebraska

• Blue Cross and Blue Shield of Nebraska
• Medica
• Nebraska Total Care
• Oscar

What are the 2025 insurance rates for Nebraska? 

The preliminary monthly average premium for all plans in Nebraska in 2025 is $696, an increase of 3.9% (or $26) from 2024.

What are the enrollment statistics for Nebraska health insurance?

• Individual health insurance. 117,882 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 open enrollment period. Of these, 92.97% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2024, 348,927 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2024, there were 380,445 beneficiaries of Medicare in Nebraska.

Nebraska health insurance resources

• Nebraska Department of Insurance’s Affordable Care Act page offers assistance with enrollment and information on plan availability.
• Senior Health (SHIIP) provides enrollment advice and education for Medicare beneficiaries.

Where do I shop for insurance in Nevada?

Nevada residents use the state-based exchange, Nevada Health Link.

When is open enrollment for Nevada?

November 1, 2024 - January 15, 2025

For coverage beginning January 1, you must enroll by December 31. Coverage purchased by January 15 will start on February 1.

Outside the open enrollment period, you generally can enroll in a health insurance plan only if you have a qualifying life event.

Participating insurance carriers in Nevada

• Aetna Health of Utah
• Health Plan of Nevada
• HMO Colorado
• Hometown Health Plan
• Imperial
• Molina Healthcare of Nevada
• Rocky Mountain Hospital and Medical Service
• SelectHealth
• Sierra Health and Life

What are the 2025 insurance rates for Nevada?

The average monthly premium for all plans in Nevada for 2025 is $568, an increase of 7.26% from 2024.

What are the enrollment statistics for Nevada health insurance?

• Individual health insurance. 96,706 residents enrolled in health insurance plans during the 2024 open enrollment period. Of these, roughly 86.5% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there is no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2024, 798,692 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2024, there were 597,755 beneficiaries of Medicare in Nevada.

Nevada health insurance resources

• Medicare Rights Center provides assistance and information to Medicare beneficiaries and their caregivers.

Where do I shop for insurance in New Hampshire?

The state oversees plans, but New Hampshire residents use the federal exchange, HealthCare.gov.

When is open enrollment for New Hampshire?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, New Hampshire residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in New Hampshire

• Anthem Health Plans of NH
• Celtic
• Harvard Pilgrim Health Care of NE
• Matthew Thornton Health Plan (Anthem Blue Cross Blue Shield)

What are the 2025 insurance rates for New Hampshire?

The preliminary 2025 rate increase for New Hampshire is 4.84%, which would raise average monthly premiums to $475.

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for New Hampshire health insurance?

• Individual health insurance. 65,117 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 open enrollment period. Of these, roughly 70% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2024, 184,296 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2024, there were 341,929 beneficiaries of Medicare in New Hampshire.

New Hampshire health insurance resources

• The New Hampshire Insurance Department regulates insurance companies, agents, and brokers.
• Covering New Hampshire provides assistance with purchasing insurance.
• New Hampshire Medicaid program. 
• New Hampshire State Health Insurance Assistance Program is a local resource for Medicare beneficiaries.

Where do I shop for insurance in New Jersey?

New Jersey uses its own state-based exchange, GetCoveredNJ.

When is open enrollment for New Jersey?

November 1, 2024 - January 31, 2025

Residents who enroll by December 31 will have coverage starting January 1. Residents who enroll in January will have coverage starting February 1. Outside of that window, New Jersey residents with qualifying events can still enroll or make changes to their coverage for 2025.

Residents who chose auto-renewal for an existing plan will be automatically enrolled in the same health plan at open enrollment.

Participating insurance carriers in New Jersey

• AmeriHealth HMO Inc. and AmeriHealth Ins. Co. of New Jersey
• Oscar Garden State Insurance Corporation
• Horizon Healthcare Services Blue Cross Blue Shield of NJ
• Aetna 
• UnitedHealthcare
• WellCare Health Insurance Company

What are the 2025 insurance rates for New Jersey?

The preliminary average monthly premium for all plans in New Jersey in 2025 is $701, an increase of 6.08% from 2024.

What are the enrollment statistics for New Jersey health insurance?

• Individual health insurance. Over 370,057 residents enrolled in qualified health plans (QHPs) through the state exchange during the 2023 open enrollment period. 
• Medicaid and CHIP. As of May 2024, 1,921,476 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2024, there were 1,753,532 beneficiaries of Medicare in New Jersey.

New Jersey health insurance resources

• The New Jersey Department of Banking and Insurance, Insurance Division regulates insurance companies, brokers, and agents who sell insurance.
• The New Jersey State Health Insurance Assistance Program answers questions about Medicare in New Jersey.
• New Jersey Department of Human Services, Medicaid Office. 

Where do I shop for insurance in New Mexico?

New Mexico residents use the state exchange, BeWellnm.

When is open enrollment for New Mexico?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, New Mexico residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in New Mexico

• Blue Cross Blue Shield of New Mexico (Health Care Service Corporation)
• Molina Healthcare of New Mexico
• Presbyterian Health Plan
• UnitedHealthcare of New Mexico

What are the 2025 insurance rates for New Mexico? 

The preliminary average monthly premium for all plans in New Mexico for 2025 is $701, an increase of 10.41% from 2024.

What are the enrollment statistics for New Mexico health insurance?

• Individual health insurance. 53,781 residents enrolled in qualified health plans (QHPs) through the state exchange during the 2024 open enrollment period. Of these, roughly 87% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2024, 776,681 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2024, there were 460,045 beneficiaries of Medicare in New Mexico.

New Mexico health insurance resources

• Health Action New Mexico is an organization working to empower consumers to build healthy communities and secure better healthcare for their families.
• The New Mexico Aging and Disability Resource Center provides resources for seniors and those with disabilities.
• The New Mexico Office of the Superintendent of Insurance regulates health insurance companies, brokers, and agents.

Where do I shop for insurance in New York?

New York uses its own state-based marketplace, the New York State of Health.

When is open enrollment for New York?

November 16, 2023 - January 31, 2024

As long as residents enroll by December 15, their coverage will begin on January 1. The deadline for a February 1 effective date is January 15, and individuals must purchase coverage by January 31 for a March 1 effective date.

Outside of that window, New York residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in New York

• Anthem HP LLC
• CDPHP
• Emblem HIP
• Excellus Health Plan, Inc.
• Fidelis (NY Quality Healthcare Corp)
• HealthFirst PHSP, Inc.
• Highmark Western & NE NY
• Independent Health Benefits Corp
• MetroPlus
• MVP Health Plan, Inc.
• Oscar Insurance Corp
• UnitedHealthcare of NY, Inc.

What are 2024 insurance rates for New York?

The average monthly premium rate for all plans in New York in 2024 increased 12.4% from 2023 to $751. 

What are the enrollment statistics for New York health insurance?

• Individual health insurance. 212,580 were enrolled in qualified health plans (QHPs) during the 2023 open enrollment period.
• Medicaid and CHIP. As of May 2023, 7,555,685 were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, 3,807,836 beneficiaries of Medicare in New York.

New York health insurance resources

• Community Health Advocates is New York State’s designated healthcare consumer assistance program since 2010.
• Medicare Rights Center provides assistance and information to Medicare beneficiaries and their caregivers.

Where do I shop for insurance in North Carolina?

North Carolina residents use the federal exchange, HealthCare.gov.

When is open enrollment for North Carolina?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, North Carolina residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in North Carolina

• Molina
• Ambetter/Magnolia
• Cigna 
• Vantage Health Plan of North Carolina 
• UnitedHealthcare

What are the 2024 insurance rates for North Carolina?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for North Carolina health insurance?

• Individual health insurance. Over 800,850 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the 2023 open enrollment period. Of these, roughly 95% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2023, 2,322,560 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 2,154,130 beneficiaries of Medicare in North Carolina.

North Carolina health insurance resources

• North Carolina Institute of Medicine (NCIOM) helps shape health policy in North Carolina by identifying solutions to the state’s health challenges.
• Legal Aid of North Carolina is a statewide nonprofit law firm that provides free legal services in civil matters to low-income people in order to ensure equal access to justice and to remove legal barriers to economic opportunity.

Where do I shop for insurance in North Dakota?

Residents enroll through the federal exchange: HealthCare.gov.

When is open enrollment for North Dakota?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, North Dakota residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in North Dakota

• Medica
• Blue Cross Blue Shield of North Dakota/Noridian
• Sanford

What are the 2024 insurance rates for North Dakota?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for North Dakota health insurance?

• Individual health insurance. 34,130 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 91% receive premium subsidies. Due to the changes made by the Inflation Reduction Act of 2022, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2023, 135,164 residents enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 143,183 beneficiaries of Medicare in North Dakota.

North Dakota health insurance resources

• Children’s Health Insurance Program (North Dakota) provides health insurance for children in need.
• The North Dakota Insurance Department regulates health insurance companies, brokers, and agents that sell in the state.
• North Dakota State Health Insurance Counseling Program provides local assistance for Medicare beneficiaries.

Where do I shop for insurance in Ohio

Ohio residents will shop for health insurance on the federal exchange at HealthCare.gov.

When is open enrollment for Ohio?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Ohio residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Ohio

• AultCare
• Ambetter - aka Buckeye Community Health Plan
• CareSource
• Community Insurance Company - aka Anthem BCBS
• Medical Health Insuring Corp. of Ohio - aka Medical Mutual
• Molina
• Oscar Buckeye State Insurance Corporation
• Oscar Insurance Corporation of Ohio
• Paramount
• Summa

What are the 2024 insurance rates for Ohio?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for Ohio health insurance?

• Individual health insurance. 294,644 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 80% receive premium subsidies. Due to the changes made by the Inflation Reduction Act of 2022, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2023, 3,405,703 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 2,468,713 beneficiaries of Medicare in Ohio.

Ohio health insurance resources

• The Ohio Department of Insurance regulates Ohio health insurance companies, brokers, and agents.
• The Ohio Senior Health Insurance Information Program offers counseling, education, and assistance for Medicare beneficiaries and their caregivers.
• CAP4Kids, Columbus area (Children’s Advocacy Project), is a compilation of community resources aimed at improving the health of children.

Where do I shop for insurance in Oklahoma?

Oklahoma residents use the federal exchange, HealthCare.gov.

When is open enrollment for Oklahoma?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Oklahoma residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Oklahoma

• Blue Cross Shield of Oklahoma - BCBSOK
• Bright Health
• Medica Insurance Company
• Oscar Health - New
• UnitedHealthCare (UHC) 
• CommunityCare Oklahoma (CCOK)

What are the 2024 insurance rates for Oklahoma?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for Oklahoma health insurance?

• Individual health insurance. 203,157 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 96% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2023, 1,313,103 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 783,289 beneficiaries of Medicare in Oklahoma.

Oklahoma health insurance resources

• The Oklahoma Insurance Department regulates health insurance companies, brokers, and agents, and can address consumers’ questions and complaints.
• Legal Aid Services of Oklahoma is the federally-funded Navigator organization in Oklahoma.
• Oklahoma Medicare Assistance Program provides assistance for Medicare beneficiaries and their caregivers

Where do I shop for insurance in Oregon?

Oregon has a federal-state partnership exchange. Residents use the federal exchange to enroll: HealthCare.gov.

When is open enrollment for Oregon?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Oregon residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Oregon

• BridgeSpan Health Company
• Kaiser Foundation Health Plan of the NW
• Moda Health Plan, Inc.
• PacificSource Health Plans
• Providence Health Plan
• Regence BlueCross BlueShield of Oregon

What are the 2024 insurance rates for Oregon?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for Oregon health insurance?

• Individual health insurance. 141,963 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 80% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2023, 1,415,497 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 923,254 beneficiaries of Medicare in Oregon.

Oregon health insurance resources

• OregonHealthcare.gov is a state-run service that connects residents to health coverage options. However, residents must enroll on HealthCare.gov.
• The Oregon Division of Financial Regulation regulates health insurance companies, agents, and brokers.
• Oregon Senior Health Insurance Benefits Assistance provides information, and counseling to Medicare beneficiaries and their caregivers.

Where do I shop for insurance in Pennsylvania

Pennsylvania runs its own state-based marketplace, Pennie. GetInsured has a seven-year contract to run the exchange and call center.

When is open enrollment for Pennsylvania?

November 1, 2023 - January 15, 2024

December 15 is the last date residents can enroll for insurance that starts January 1. January 15 is the last date residents can enroll for insurance that starts February 1.

Outside of that window, Pennsylvania residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Pennsylvania

• Capital Advantage Assurance
• Geisinger Health Plan
• Geisinger Quality Options
• Highmark, Inc.
• Highmark Benefits Group
• Highmark Coverage Advantage
• Keystone Health Plan East 
• QCC Insurance Company 
• UPMC Health Options 
• PA Health and Wellness
• Oscar Health

What are the 2024 insurance rates for Pennsylvania?

The preliminary average monthly premium rate for all plans in 2024 is $668, a 4.2% increase from 2023.

What are the enrollment statistics for Pennsylvania health insurance?

• Individual health insurance. Over 371,516 residents enrolled in qualified health plans (QHPs) through the Pennsylvania state exchange during the 2023 open enrollment period. Of these enrollees, roughly 90% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2023, 3,726,429 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 2,875,916 beneficiaries of Medicare in Pennsylvania.

Pennsylvania health insurance resources

• The Pennsylvania Insurance Department oversees and regulates the health insurance companies that offer plans in the state and the brokers and agents that sell the plans.
• The Pennsylvania Department of Aging provides assistance for people with Medicare and their caregivers.
• Medicare Rights Center is a nationwide service that provides Medicare-related assistance and information.

Where do I shop for insurance in Rhode Island?

Rhode Island residents use the state-based exchange HealthSource RI.

When is open enrollment for Rhode Island?

November 1, 2023 – January 31, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 31 will begin coverage on February 1.

Outside the open enrollment period, you generally can enroll in a health insurance plan if you have a qualifying life event.

Participating insurance carriers in Rhode Island

• Blue Cross Blue Shield of Rhode Island
• Neighborhood Health Plan of Rhode Island

What are the 2024 insurance rates for Rhode Island?

The preliminary average monthly premium rate for all plans in 2024 is $553, an increase of 6.58% from 2023.

What are the enrollment statistics for Rhode Island health insurance?

• Individual health insurance. 27,977 residents enrolled in health insurance plans during 2023 open enrollment. Of these, roughly 84% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2023, 373,318 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 235,858 beneficiaries of Medicare in Rhode Island.

Rhode Island health insurance resources

• The Rhode Island Department of Insurance regulates health insurance companies, agents, and brokers.
• Rhode Island Senior Health Insurance Benefits Advisors (SHIBA) provides information and education for Medicare beneficiaries and their caregivers.
• Medicare Rights Center offers assistance with Medicare-related questions.
• Rhode Island Medicaid provides healthcare benefits for low-income Rhode Island residents.

Where do I shop for insurance in South Carolina?

South Carolina residents use the federal exchange, HealthCare.gov.

When is open enrollment for South Carolina?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, South Carolina residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in South Carolina

• Ambetter/Absolute Total Care
• Blue Cross Blue Shield of South Carolina
• Bright Health
• Molina

What are the 2024 insurance rates for South Carolina?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for South Carolina health insurance?

• Individual health insurance. 382,968 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 95% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2023, 1,323,883 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 1,183,019 beneficiaries of Medicare in South Carolina.

South Carolina health insurance resources

• The South Carolina Department of Insurance regulates health insurance companies, agents, and brokers.
• The South Carolina Department on Aging provides information and assistance programs for Medicare beneficiaries.

Where do I shop for insurance in South Dakota?

Residents enroll through the federal exchange: HealthCare.gov.

When is open enrollment for South Dakota?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, South Dakota residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in South Dakota

• Avera
• Sanford

What are the 2024 insurance rates for South Dakota?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for South Dakota health insurance?

• Individual health insurance. 47,591 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 95% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2023, 125,793 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 192,581 beneficiaries of Medicare in South Dakota.

South Dakota health insurance resources

• The Division of Insurance – South Dakota regulates health insurance companies, brokers, and agents that sell in the state.
• Medicare Rights Center is a national assistance program for Medicare beneficiaries.

Where do I shop for insurance in Tennessee?

Tennessee residents use the federal exchange, HealthCare.gov.

When is open enrollment for Tennessee?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Tennessee residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Tennessee

• Blue Cross Blue Shield of Tennessee
• Cigna
• Oscar
• Bright Health
• Celtic/Ambetter
• UnitedHealthcare

What are the 2024 insurance rates for Tennessee?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for Tennessee health insurance?

• Individual health insurance. 348,097 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 92% receive premium subsidies. Due to the changes made by the Inflation Reduction Act of 2022, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2023, 1,812,258 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 1,441,441 beneficiaries of Medicare in Tennessee.

Tennessee health insurance resources

• Family & Children’s Service is the federally-funded Navigator organization in Tennessee that can provide phone assistance with health insurance and Medicaid enrollment statewide.
• The Tennessee Department of Commerce and Insurance regulates health plans in Tennessee, as well as the agents and brokers who sell policies to Tennessee residents.
• Tennessee State Health Insurance Assistance Program (SHIP) for Medicare Participants offers assistance to Medicare beneficiaries and their caregivers.
• Medicare Rights Center provides information and assistance with Medicare-related questions.

Where do I shop for health insurance in Texas?

Residents enroll on the federal exchange at HealthCare.gov

When is open enrollment for Texas?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Texas residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Texas

• Celtic/Ambetter
• Blue Cross Blue Shield of Texas
• CHRISTUS
• Friday Health Plans
• Molina
• Oscar
• Sendero
• SHA/FirstCare
• Community Health Choice
• Scott & White Health Plan

What are the 2024 insurance rates for Texas?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for Texas health insurance?

• Individual health insurance. 2,410,810 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 95% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2023, 5,959,797 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 4,589,620 beneficiaries of Medicare in Texas.

Key healthcare legislation

Texas only has legislative sessions in odd-numbered years. The following summarizes key healthcare legislation:

• Transparency about specialists working at in-network facilities and prior authorization: SB1742 requires health plan provider directories to clearly state whether specialists practicing at in-network facilities are also in-network. The law also requires providers to offer a readily available list of services that are subject to prior authorization requirements and information about the provider’s total volume of prior authorization requirements and denials.
• Surprise balance billing for fully insured plans. SB1264 requires the insurer and the out-of-network provider to work out the payment arrangements without involving the patient. Instead of billing the patient for amounts above their normal cost-sharing requirements, the out-of-network provider has to use a state-regulated mediation/arbitration process to work out a payment amount with the patient’s insurer. SB1037 ensures that surprise balance bills that are sent to collections won’t show up on the person’s credit report.

Texas health insurance resources

• The Texas Department of Insurance regulates Texas’s insurance industry and oversees the administration of the Texas workers’ compensation system.
• Texas Health Information, Counseling, and Advocacy Program is part of Texas Health and Human Services (HHS).
• Change Happens Healthcare Navigators is a nonprofit that transforms the lives of families and children in high-risk communities of the Gulf Coast Region 6. They provide a variety of programs that empower people to help themselves.
• Medicare Rights Center is the largest and most reliable independent source of Medicare information and assistance in the United States.

Where do I shop for insurance in Utah?

Utah residents use the federal exchange, HealthCare.gov.

When is open enrollment for Utah?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Utah residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Utah

• Molina Healthcare of Utah
• SelectHealth, Inc.
• University of Utah Health Insurance Plans
• BridgeSpan
• Regence BlueCross BlueShield of Utah

What are the 2024 insurance rates for Utah?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for Utah health insurance?

• Individual health insurance. 295,196 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 94% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2023, 465,969 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 446,7847 beneficiaries of Medicare in Utah.

Utah health insurance resources

• The Utah Insurance Department regulates health insurance companies, brokers, and agents.
• Utah Senior Services provides assistance and information for people regarding Medicare.

Where do I shop for insurance in Vermont?

Vermont residents use the state-based exchange Vermont Health Connect.

When is open enrollment for Vermont?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside the open enrollment period, you generally can enroll in a health insurance plan if you have a qualifying life event.

Participating insurance carriers in Vermont

• MVP Health Care
• Blue Cross Blue Shield of Vermont

What are the 2024 insurance rates for Vermont?

The final average monthly premium rate for all plans in 2024 in Vermont is $888, an increase of 13% from 2023.

What are the enrollment statistics for Vermont health insurance?

• Individual health insurance. 25,664 residents enrolled in health insurance plans during 2023 open enrollment. Of these, roughly 88% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2023, 194,585 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 160,876 beneficiaries of Medicare in Vermont.

Vermont health insurance resources

• The Vermont Department of Financial Regulation allows residents to file an insurance complaint.
• Vermont State Health Insurance Program provides assistance for Medicare beneficiaries.
• Medicare Rights Center provides assistance with Medicare-related questions.

Where do I shop for insurance in Virginia?

Virginia residents used the federal exchange, HealthCare.gov, until October 2023. Virginia moved to a state-based exchange called Virginia's Insurance Marketplace on October 10, 2023.

When is open enrollment for Virginia?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Virginia residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Virginia

• CareFirst
• Cigna
• Group Hospitalization and Medical Services, Inc.
• Health Keepers - aka Anthem
• Kaiser Foundation Health Plan of the Mid-Atlantic
• Optima
• Piedmont Community Healthcare 
• Oscar Health
• Optimum Choice

What are the 2024 insurance rates for Virginia?

The benchmark monthly premium rate for 2023 decreased 18% from 2022 to $304.

The U.S. Centers for Medicare & Medicaid Services (CMS) will release the benchmark monthly premium rate for 2024 in late October 2023. The benchmark rate is the second-lowest-cost silver plan for a 27-year-old.

The preliminary average insurance rate for all plans in Virginia in 2024 is $584, an increase of 20.49%

What are the enrollment statistics for Virginia health insurance?

• Individual health insurance. Over 346,140 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 90% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2023, 2,045,066 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 1,631,641 beneficiaries of Medicare in Virginia.

Virginia health insurance resources

• Cover Virginia is a state-run service that assists people enrolling in Medicaid or a private plan through the marketplace.
• Virginia’s Department of Medical Assistance Services
• The Virginia State Corporation Commission regulates health insurance companies, agents, and brokers. It's creating and will run Virginia’s new state-based exchange, which is launching in 2023 for the year 2024.
• Virginia Insurance Counseling and Assistance Program (VICAP) assists Medicare beneficiaries and their caregivers with Medicare coverage and enrollment.

Where do I shop for health insurance in Washington state?

Residents enroll on the state exchange: Washington Healthplanfinder.

When is open enrollment for Washington?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Washington residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Washington

The following carriers offer plans on the Washington exchange:

• BridgeSpan Health Company
• Community Health Plan of Washington* Will only offer public option plans
• Coordinated Care Corporation*
• Kaiser Foundation Health Plan of the Northwest
• Kaiser Foundation Health Plan of Washington
• LifeWise Health Plan of Washington*
• Molina Healthcare of Washington
• PacificSource Health Plans
• Premera Blue Cross
• Regence BlueCross BlueShield of Oregon (Clark County only)
• Regence BlueShield
• UnitedHealthcare of Oregon* - Will only offer public option plans

* Will offer public option plans (see below)

Additionally, the following plans are available on private exchanges in Washington for 2024:

• Asuris Northwest Health
• Kaiser Foundation Health Plan of the Northwest
• Kaiser Foundation Health Plan of Washington
• Providence Health Plans
• Regence BlueShield
• UnitedHealthcare of Oregon

What are the 2024 insurance rates for Washington?

The final average monthly premium rate for all plans in 2024 increased 8.94% from 2023 to $627. 

Washington offers first-in-the-nation public option

In 2019, Washington enacted S.B.5526, which ordered the creation of a “public option” health insurance plan in Washington by 2021. To do this, Washington contracts private health insurance companies to offer qualified health plans at the bronze, silver, and gold levels in the Washington exchange.

The plans, dubbed “Cascade Care,” offer standardized benefits, capping provider reimbursements at 160% of the Medicare reimbursement amounts. There are exceptions to this cap for rural hospitals, which will be guaranteed at least 101 percent of Medicare-approved costs, rural primary care providers, who are guaranteed at least 135 percent of Medicare rates, and instances in which the plan can’t develop an adequate network under the prescribed reimbursement constraints.)

What are the enrollment statistics for Washington health insurance?

• Individual health insurance. 230,371 residents enrolled in health insurance during 2023 open enrollment. Of these, roughly 70% receive premium subsidies. Due to the changes made by the Inflation Reduction Act of 2022, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid/CHIP. As of May 2023, 2,194,605 Washington residents enrolled in Medicaid/CHIP.
• Medicare. As of May 2023, there were 1,478,600 Washington residents with Medicare coverage. 

Where do I shop for insurance in West Virginia?

The state oversees all plans sold, but West Virginia residents use the federal exchange to enroll: HealthCare.gov.

When is open enrollment for West Virginia?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, West Virginia residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in West Virginia

• Highmark Blue Cross Blue Shield
• CareSource

What are the 2024 insurance rates for West Virginia?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for West Virginia health insurance?

• Individual health insurance. 28,325 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 95% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2023, 634,686 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 445,835 beneficiaries of Medicare in West Virginia.

West Virginia health insurance resources

• Medicare Rights Center provides assistance for people with Medicare.

Where do I shop for insurance in Wisconsin?

Wisconsin residents use the federal exchange, HealthCare.gov.

When is open enrollment for Wisconsin?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Wisconsin residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Wisconsin

• Aspirus Arise
• Common Ground Healthcare Cooperative
• Children’s Community Health Plan
• Dean Health Plan
• Group Health Cooperative of South Central Wisconsin
• HealthPartners Insurance
• Medica Health Plans of Wisconsin
• MercyCare HMO Inc
• Molina
• Network Health
• Quartz Health Benefits
• Security Health Plan of Wisconsin, Inc
• WPS - aka Arise Health Plan

What are the 2024 insurance rates for Wisconsin?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for Wisconsin health insurance?

• Individual health insurance. 221,128 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 89% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2023, 1,451,931 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 1,273,287 beneficiaries of Medicare in Wisconsin.

Wisconsin health insurance resources

• BadgerCare PLUS from the Department of Health provides services for lower-income residents.
• Black Health Coalition of Wisconsin is a group of local organizations and individuals whose collaborative goal is to address the health problems of black Americans.
• Medicaid for the Elderly, Blind, or Disabled provides services for residents on Medicaid.
• Medicare Counseling for Wisconsin Residents provides information and services for residents about Medicare.

Where do I shop for insurance in Wyoming?

Residents enroll through the federal exchange: HealthCare.gov.

When is open enrollment for Wyoming?

November 1, 2023 - January 15, 2024

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Wyoming residents with qualifying events can still enroll or make changes to their coverage for 2024.

Participating insurance carriers in Wyoming

• Blue Cross Blue Shield of Wyoming

What are the 2024 insurance rates for Wyoming?

The table below shows the average lowest-cost silver plan monthly premium for a 21-year-old and a 40-year-old according to CMS.

What are the enrollment statistics for Wyoming health insurance?

• Individual health insurance. 38,565 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2023 open enrollment period. Of these, roughly 96% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
• Medicaid and CHIP. As of May 2023, 84,685 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
• Medicare. As of May 2023, there were 122,946 beneficiaries of Medicare in Wyoming.

Wyoming health insurance resources

• The Wyoming Department of Insurance regulates health insurance companies, insurance agents, and brokers in the state.
• The Wyoming State Health Insurance Information Program provides local information and assistance for Medicare beneficiaries.
• Medicare Rights Center is a national program with assistance for Medicare beneficiaries.