When does the annual open enrollment period (OEP) run?

The annual open enrollment period (OEP) runs from November 1st through January 15th. This period is when individuals looking for health insurance coverage can enroll in a plan or make changes to their existing plans for the upcoming year. The duration provides enough time for consumers to evaluate their options, compare different plans, and ensure they have the necessary coverage.

The extended timeline through January 15th allows individuals to make last-minute decisions for the coverage that begins on January 1st of the following year. This timing is particularly important as it aligns with the start of the new calendar year, ensuring that individuals have health insurance in place when they need it most following the traditional holiday season.

The other provided time frames either narrow the window for enrollment or do not align with the established guidelines for open enrollment, which is critical for agents and brokers to know to assist their clients effectively.