Open Enrollment in Colorado for individual health insurance will re-open again on November 1st, 2024 for plans with a January 1st, 2025 start date.

The Affordable Care Act (or ACA) is continues to be the law of the land. Under the ACA, Open Enrollment is a limited time frame for when people can purchase health insurance.

Open Enrollment places the same limits for qualified health insurance plans sold off-exchange (directly from an insurer), as well as those sold on-exchange, which includes government-run marketplaces like Connect for Health Colorado in Colorado, CoveredCalifornia or HealthCare.gov.

In Colorado, Open Enrollment opens on November 1st for plans with a January 1st start date and will close on January 15th for plans with a February 1st start date.

During Open Enrollment anyone can enroll in a new health insurance plan or change plans.  However, outside of Open Enrollment periods, some special qualifying events can trigger a special enrollment period, which allows you to shop or change your health insurance plans.  These are typically triggered by job changes and/or life changes.

Open enrollment does not apply to some programs like Medicaid and Children’s Health Insurance Program (CHIP), which operate year-around.   There are some additional qualifying events that are tied to current or former jobs and your family situation.