Every American deserves affordable coverage & access khổng lồ high-quality care – regardless of their income, health status, or pre-existing conditions. Consumers who vị not get coverage through their job or through a government program lượt thích Medicare cửa hàng and enroll through the federal or state health insurance marketplaces – also called the Exchanges.

Bạn đang xem: Marketplace 2023 open enrollment period report

For individuals & families who buy coverage on their own, open enrollment for 2023 begins November 1. Consumers must enroll by December 15, 2022 for coverage that starts January 1, 2023 or by January 15, 2023 for coverage that starts February 1, 2023.

This year marks the 10th xuất hiện enrollment period for the Affordable Care Act’s (ACA) health insurance marketplaces. The marketplaces have continued to stabilize & grow, providing comprehensive and affordable coverage khổng lồ more than 14.5 million Americans.

In August, Congress passed the Inflation Reduction Act to lớn extend the American Rescue Plan Act (ARPA) enhanced subsidies through 2025. As a result, marketplace enrollees will continue lớn see more affordable health insurance options this xuất hiện enrollment period, including more $0 premium và low-cost plans.

In addition to lớn lower costs, health insurance providers are expanding offerings in the individual market for 2023. On average, consumers will have access khổng lồ 6-7 health insurance providers. However, due lớn medical inflation, the average second lowest cost silver plan premium will increase by 4% from 2022. Despite this increase, premiums will still remain low due khổng lồ the Inflation Reduction Act’s extended enhanced subsidies. In fact, the average lowest-cost premium after application of advanced premium tax credits (APTC) is decreasing from $3 in plan year 2022 khổng lồ $1 in plan year 2023.

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By November 1, enrollees will receive a notice from their current health plan regarding information for 2023 mở cửa enrollment. These notices may look different from previous years as they may not include information on expected 2023 premiums và advanced premium tax credits (APTC). As a result, consumers are encouraged to visit their Healthcare. Gov applications as soon as possible khổng lồ receive the most accurate và up-to-date information.

Shopping for a plan on Healthcare.gov or a state marketplace will look similar to lớn previous years, with a few changes.

Every county nationwide will offer health plans và financial assistance through the individual marketplaces, & this year, Healthcare.gov will offer new “easy-pricing” plan options for consumers to consider. These plans offer the same deductibles & cost-sharing for certain benefits. In addition, consumers may see new changes to lớn the shopping experience, including improvements to the provider & drug tìm kiếm features & additional transparency around deductibles for health và drug costs. There are a lot of important factors lớn consider when choosing a plan – such as cost-sharing, premiums, deductibles, provider networks, and out-of-pocket costs.

Health insurance plans are committed khổng lồ helping all Americans make informed health coverage decisions for themselves và their families. Here are key considerations for anyone who is navigating the individual market:

If you don’t enroll in a plan by January 15, 2023, you cannot purchase coverage for 2023 unless you qualify for a Special Enrollment Period.There are 7 states with different mở cửa Enrollment dates. You’ll find those dates below.It is important to consider expected health care utilization – including prescriptions, doctor’s visits, và specialty care needs – when selecting a health plan, and especially when considering premiums and deductibles.It is critical lớn update information—especially financial information—when reviewing options and shopping for insurance plans. Based on this information, people may qualify for subsidies to lớn help them afford coverage.Shopping for coverage can be done safely and securely—either online or via the telephone. Starting November 1, consumers can log in to lớn HealthCare.gov và CuidadoDeSalud.gov or điện thoại tư vấn 1-800-318-2596 to lớn fill out an application & enroll in a 2023 Marketplace plan.