Open and special enrollment FAQs

When is Open Enrollment for Individual medical and dental plans?

Each year, Open Enrollment for Individual coverage starts in the fall and lasts approximately eight to ten weeks, depending on the state. See the Enrollment Periods page for the dates for 2027 open enrollment.

After open enrollment ends, you can only enroll or change plans if you qualify for Special Enrollment. Certain life changes, like getting married, having a baby or moving to a new area, could make you or those your plan covers eligible for Special Enrollment.

Can I enroll in a plan only during Open Enrollment?

Yes, unless you qualify for Special Enrollment.

When I enroll, how can I apply for federal financial assistance, like tax credits?

Visit your health insurance marketplace (the exchange) to see if you qualify for lower cost premiums. We want to make sure you have all the information to help you make the best choice for you. If you do enroll on the exchange, consider a Moda plan. If you do not qualify for financial assistance, please return here to enroll directly.

How do I qualify for Special Enrollment?

Certain life events might qualify you for Special Enrollment. For example, getting married, having a baby or moving to a new state could make you or those you cover eligible. See if you qualify.