When is Open Enrollment for Health Insurance?
Open enrollment is a window of time when you can sign up for health insurance, make changes to your current plan or cancel your plan altogether. Open enrollment periods happen once a year and usually start in the fall.
As you’re shopping for coverage, get to know the open enrollment dates for different types of health insurance plans. When you’re ready to enroll, we’re ready to help.
Individual & Family Plans
Shop for Affordable Care Act (ACA) Marketplace plans, commonly known as Obamacare, if you’re self-employed, don’t get health insurance through an employer or Medicare, or if you’re looking for a new plan after losing Medicaid coverage.
In North Dakota and South Dakota, open enrollment is November 1 through January 15.
Explore Your Plan Options
Medicare Advantage Plans
If you’re age 65 or older, or qualify for Medicare, explore Medicare Advantage plans, also known as Medicare Part C. Align powered by Sanford Health Plan is an all-in-one Medicare Advantage plan option that includes Medicare Parts A and B plus extra benefits to care for the whole you.
Medicare and Medicare Advantage plans have an Initial Enrollment Period (IEP) for new Medicare members. The Annual Enrollment Period (AEP) is October 15 through December 7.
Learn More About Medicare Advantage
Employer Plans for Small and Large Businesses
Looking for the right health insurance for your employees? Our employer plans integrate coverage, care and service. We provide simple, affordable health coverage solutions for both small and large employers throughout all of North Dakota and South Dakota, and in select counties in Iowa and Minnesota.
After purchasing an employer health plan, your business sets the open enrollment period.
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What is a Special Enrollment Period?
You may qualify for a special enrollment period (SEP) if you lost your health coverage or meet certain life-event requirements. Through the Affordable Care Act, you may be eligible for an SEP if you experience a qualifying life event. This means you and your family can enroll or change your health insurance outside of the open enrollment period.
When can I enroll in Medicare? Enrollment periods explained
Enrolling in Medicare is limited to certain times of year and conditions, including your age. View a breakdown of each enrollment period.
Five things to consider when shopping for health insurance
As you start shopping for health insurance, keep these five things in mind to help you find the best, most affordable plan for your needs.