State-By-State Guide to Open Enrollment 2024-2025

What is Open Enrollment?

Open Enrollment is when individuals and families can enroll in a health insurance plan or renew their coverage for the following calendar year. It generally refers to the period when individuals can purchase qualified health plans through the public health insurance exchanges created by the Affordable Care Act (ACA). This includes Medicaid and the Children's Health Insurance Program (CHIP). However, other health benefits like Medicare also have open enrollment periods.

This is the only time of year when individuals and families can enroll in health coverage or change plans. Outside of Open Enrollment season, they must experience a qualifying life event to trigger a special enrollment period.

When is 2025 Open Enrollment?

For most states, Open Enrollment for 2025 coverage runs from November 1, 2024, to January 15, 2025. However, individuals must enroll by December 15 in most states if they want their insurance coverage to start on January 1. States with their own public health insurance exchanges can have slightly different Open Enrollment dates within this window. We've listed these specific dates in the guide below.

Open Enrollment under the ACA is different from Medicare open enrollment. Medicare open enrollment runs from October 15 to December 7, with another, more limited open enrollment period from January 1 to March 31.

What do employers need to know about Open Enrollment?

If an organization offers certain types of health reimbursement arrangements (HRAs) to its employees, it can reimburse them tax-free for their individual health insurance premiums and other qualifying out-of-pocket medical expenses. Employees can shop for their own personal insurance coverage from the public and private exchanges.

Employers can reimburse employees for individual health insurance premiums with the following types of HRAs:

Qualified small employer HRA (QSEHRA): A QSEHRA is the simplest HRA for small businesses to deploy and manage. A QSEHRA allows employers with fewer than 50 full-time equivalent employees (FTEs) to offer a single reimbursement plan to all employees up to a maximum amount the IRS adjusts each year for inflation.
Individual coverage HRA (ICHRA): This flexible and customizable plan option allows employers of all sizes to offer different allowances to different classes of employees. There's no limit to the amount an employer can contribute.

Organizations that offer a QSEHRA or ICHRA or plan to offer one in 2025 need to be aware of Open Enrollment deadlines so they can answer any questions their employees may have about how to choose a health insurance plan.

How PeopleKeep helps

If your employer offers a QSEHRA or ICHRA through PeopleKeep, you can shop for a health insurance plan right from your PeopleKeep account. You can also shop for ancillary coverage like dental or vision insurance. This makes navigating your health insurance options easier.

Where do I shop for health insurance in Alabama?

Alabama residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Alabama?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Alabama residents with qualifying life events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Alabama

Blue Cross and Blue Shield of Alabama
Celtic
UnitedHealthcare

What are the 2025 insurance rates for Alabama?

The monthly average premium for all plans in Alabama in 2025 is $684, a decrease of 3.12% (or $22) from 2024.

According to KFF, here are the average monthly premiums in Alabama for a 40-year-old in 2025:

Lowest-cost silver plan: $523
Second-lowest-cost silver plan: $535

What are the Open Enrollment statistics for Alabama health insurance?

Individual health insurance. 386,195residents enrolled in qualified health plans(QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 95% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of September 2024, 993,581 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of June 2024, there were 1,110,188 beneficiaries of Medicare in Alabama.

Alabama health insurance and employee benefits resources

The Alabama Department of Insurance regulates health insurance companies, agents, and brokers.
AIDS Alabama/Enroll Alabama is the federally-funded Navigator organization in Alabama.
The Alabama State Health Insurance Assistance Program provides assistance and counseling for Medicare beneficiaries.
Alabama Medicaid Agency
All Kids – Alabama Public Health provides low-cost healthcare coverage for children and teens under age 19 who live in Alabama.

Where do I shop for insurance in Alaska?

Residents enroll through the federal exchange: HealthCare.gov.

When is Open Enrollment for Alaska?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Alaska residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Alaska

Moda Health Plan
Premera
Blue Cross Blue Shield of Alaska

What are the 2025 insurance rates for Alaska?

The monthly average premium for all plans in Alaska in 2025 is $1,133, an increase of 17.14% (or $166) from 2024.

According to KFF, here are the average monthly premiums in Alaska for a 40-year-old in 2025:

Lowest-cost silver plan: $1,040
Second-lowest-cost silver plan: $1,045

What are the enrollment statistics for Alaska health insurance?

Individual health insurance. 27,464 residents enrolled in qualified health plans(QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 81% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of September 2024,249,770 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of June 2024, there were 117,178 beneficiaries of Medicare in Alaska.

Alaska health insurance resources

AK Health Reform provides research, data, and analysis regarding the state of healthcare in Alaska.
Denali KidCare provides healthcare for children.
United Way of Anchorage is the federally-funded Navigator organization in Alaska.
Alaska State Health Insurance Counseling and Assistance Programs (SHIP) provides local information and assistance for Medicare beneficiaries.

Where do I shop for insurance in Arizona?

Arizona residents use the federal exchange,HealthCare.gov.

When is Open Enrollment for Arizona?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Arizona residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Arizona

Banner Health and Aetna Health Plan
Blue Cross and Blue Shield of Arizona
Cigna HealthCare of Arizona, Health Net of Arizona
Imperial Insurance Companies
Oscar Health Plan
UnitedHealthcare of Arizona

What are the 2025 insurance rates for Arizona?

The monthly average premium for all plans in Arizona in 2025 is $540, an increase of 3.28% (or $17) from 2024.

According to KFF, here are the average monthly premiums in Arizona for a 40-year-old in 2025:

Lowest-cost silver plan: $382
Second-lowest-cost silver plan: $410

What are the enrollment statistics for Arizona health insurance?

Individual health insurance. 348,055 residents enrolled in qualified health plans(QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 88% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of September 2024, 2,025,230 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of June 2024, there were 1,485,967 beneficiaries of Medicare in Arizona.

Arizona health insurance resources

The Arizona Department of Insurance regulates health insurance companies, agents, and brokers.
Arizona Association of Community Health Centers (AACHC)/Arizona Alliance for Community Health Centers serve as Arizona’sfederally-funded Navigator organizationsthat help individuals and families enroll in health coverage through the exchange.
Arizona Health Care Cost Containment System provides Medicaid health coverage to various low-income populations.
Arizona State Health Insurance Assistance Program provides a variety of counseling, advice, and assistance with Medicare issues.

Where do I shop for insurance in Arkansas?

Arkansas residents use the federal exchange,HealthCare.gov.

When is Open Enrollment for Arkansas?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Arkansas residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Arkansas

Celtic Insurance Company (Ambetter)
HMO Partners (Health Advantage)
QCA Health Plan
QualChoice Life & Health Insurance Company
USAble HMO
USAble Mutual Insurance Co (AR Blue Cross & Blue Shield)

What are the 2025 insurance rates for Arkansas?

The monthly average premium for all plans in Arkansas in 2025 is $590, an increase of 6.24% (or $23) from 2024.

According to KFF, here are the average monthly premiums in Arkansas for a 40-year-old in 2025:

Lowest-cost silver plan: $452
Second-lowest-cost silver plan: $458

What are the enrollment statistics for Arkansas health insurance?

Individual health insurance. 156,607 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 83% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of September 2024, 784,633 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of June 2024, there were 674,072 beneficiaries of Medicare in Arkansas.

Arkansas health insurance resources

Arkansas Center for Health Improvement is an organization dedicated to improving the health of Arkansans through evidence-based research, public issue advocacy, and collaborative program development.
The Arkansas Insurance Department Consumer Services Division assists consumers with questions and complaints about insurance.
ARKIDS 1ST provides health insurance for children.
Arkansas Senior Health Insurance Information Program provides Medicare assistance.

Where do I shop for insurance in California?

California residents use the Covered California state-based exchange.

When is Open Enrollment for California?

California has permanently adopted a three-month open enrollment schedule that takes place:

November 1, 2024 - January 31, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 31 will begin coverage on February 1.

Outside of that window, California residents with qualifying life changes can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in California

California has one of the largest numbers of carriers in the individual market, with 11 insurance companies participating this year. California is divided into 19 pricing regions, and 88% of Covered California consumers will have at least three health insurance companies to choose from in their region. Anthem and Oscar are expanding their coverage areas this year, which means people in these areas will have more choices.

The following carriers offer individual insurance plans on the California state exchange:

Aetna Health of California
Blue Cross of California(Anthem BC)
CA Physician's Service dba Blue Shield of CA
Chinese Community Health Plan
County of Santa Clara
Health Net of California
Inland Empire Health Plan
Kaiser Foundation Health Plan
Local Initiative Health Authority for Los Angeles County
MOLINA HEALTHCARE OF CALIFORNIA

What are the 2025 insurance rates for California?

The monthly average premium for all plans in California in 2025 is $706, an increase of 7.86% (or $51) from 2024.

According to KFF, here are the average monthly premiums in California for a 40-year-old in 2025:

Lowest-cost silver plan: $469
Second-lowest-cost silver plan: $512

Some independent contractors are now eligible for benefits from their employer

In 2020, a new California law reclassified many independent contractors as employees, which makes them eligible for labor law protections, including minimum wage, worker’s compensation, employer contributions to Social Security and Medicare (FICA taxes), and overtime pay. Newly reclassified employees are also eligible for health benefits from applicable large employers (ALEs).

Organizations will generally be able to use the look-back methodto determine if newly reclassified workers are working full-time. They will have up to a year to make the determination and begin offering coverage to employees who work over 30 hours per week. The look-back method is only available for employees with seasonal or variable hours (these typically include employees who schedule their own work time).

Does California cap prescription costs?

In 2016, Covered California passed a price cap on high-cost specialty drugs, like those needed for HIV, AIDS, Diabetes, Hepatitis C, and other chronic conditions. The cap means that most consumers will not pay more than $250/month for these medications. These caps apply to plans purchased both on and off the exchange.

What are the enrollment statistics for California health insurance?

Individual health insurance. 1,736,391residents enrolled in individual insurance through the CoveredCA exchange during the 2024 Open Enrollment Period. Of these, roughly 90% receive premium subsidies.
Medicaid and CHIP. As of September 2024, 13,541,144 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of June 2024, there were 6,884,117 beneficiaries of Medicare in California.

Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.

California health insurance resources

California Association of Health Plans. A statewide trade association representing 45 full-service healthcare plans that provide coverage to more than 25 million Californians.
California Department of Health Care Services. The backbone of California’s healthcare safety net, helping millions of low-income and disabled Californians each and every day.
California Department of Managed Health Care. Protects consumers’ healthcare rights and ensures a stable healthcare delivery system.
California HealthCare Foundation. Agent for meaningful, measurable improvements in the way the health care delivery system provides care to the people of California, particularly those with low incomes and those whose needs are not well served by the status quo.
California State Department of Insurance. The largest consumer protection agency in the state.
Health Access California. A statewide healthcare consumer advocacy coalition advocating for quality, affordable healthcare for all Californians.

Where do I shop for insurance in Colorado?

Colorado residents use the state-based exchange: ConnectforHealthColorado.

When is Open Enrollment for Colorado?

November 1, 2024 - January 15, 2025

Enrollments completed by December 15, 2024 will have coverage effective January 1, 2025. Enrollments completed between December 16 and January 15 will have coverage effective February 1, 2025.

Outside of that window, Colorado residents with qualifying life changes can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Colorado

Cigna Health and Life
Denver Health Medical Plan
HMO Colorado
Kaiser Foundation Health Plan of Colo.
Rocky Mountain HMO
SelectHealth

What are the 2025 insurance rates for Colorado?

The monthly average premium for all plans in Colorado in 2025 is $587, an increase of 5.53% (or $31) from 2024.

According to KFF, here are the average monthly premiums in Colorado for a 40-year-old in 2025:

Lowest-cost silver plan: $455
Second-lowest-cost silver plan: $463

What are the enrollment statistics for Colorado health insurance?

Individual health insurance. 237,106 residents enrolled in health insurance plans through Connect for Health Colorado during the 2024 Open Enrollment Period. Of these, roughly 72% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of September 2024, 1,146,718 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of June 2024, there were 1,029,194 beneficiaries of Medicare in Colorado.

Colorado health insurance resources

Colorado Child Health Plan Plus (CHP+) provides assistance to children 18 and younger and pregnant women 19 and older.
Colorado Division of Insurance. Regulates health insurance companies that offer plans in the state, as well as brokers and agents.
The Colorado Department of Health Care Policy and Financing oversees Medicaid and CHP+ in Colorado.
Colorado.gov/Health. Resource for people with questions about health insurance in Colorado.
Colorado Senior Healthcare/Medicare resources. Provides information and assistance to Medicare beneficiaries and their caregivers.

Where do I shop for insurance in Connecticut?

Connecticut residents use the state-based exchange: Access Health CT.

When is Open Enrollment for Connecticut?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Connecticut residents with qualifying life events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Connecticut

Anthem Health Plans
ConnectiCare Benefits
ConnectiCare Insurace

What are the 2025 insurance rates for Connecticut?

The monthly average premium for all plans in Connecticut in 2025 is $950, an increase of 5.9% (or $53) from 2024.

According to KFF, here are the average monthly premiums in Connecticut for a 40-year-old in 2025:

Lowest-cost silver plan: $660
Second-lowest-cost silver plan: $693

What are the enrollment statistics for Connecticut health insurance?

Individual health insurance. 129,000 residents enrolled in health insurance plans through Access Health CT during the 2024 Open Enrollment Period. Of these, roughly 86% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 1, 2023, 945,931 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2023, there were 741,080 beneficiaries of Medicare in Connecticut.

Connecticut health insurance resources

Connecticut CHOICES Program. Enrollment assistance for Medicare beneficiaries
The Connecticut Insurance Department regulates the state’s health insurance companies, brokers, and agents.
Husky Healthcare. Health coverage for lower-income Connecticut residents.

Where do I shop for insurance in Delaware?

Delaware’s exchange is a partnership between the state and the HHS, with residents enrolling through: HealthCare.gov.

When is Open Enrollment for Delaware?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Delaware residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Delaware

Aetna Health
Aetna Health
AmeriHealth Caritas VIP Next
Celtic Insurance Company
Highmark BCBSD

What are the 2025 insurance rates for Delaware?

The monthly average premium for all plans in Delaware in 2025 is $784, an increase of 8.45% (or $61) from 2024.

According to KFF, here are the average monthly premiums in Delaware for a 40-year-old in 2025:

Lowest-cost silver plan: $530
Second-lowest-cost silver plan: $534

What are the enrollment statistics for Delaware health insurance?

Individual health insurance. 44,842 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 87% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of September 2024, 265,507 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of June 2024, there were 242,455 beneficiaries of Medicare in Delaware.

Delaware health insurance resources

Delaware Healthy Children Program provides healthcare for children.
Delaware Department of Insurance. Regulates insurance companies, brokers, and agents who sell policies in the state.
Delaware Medical Assistance Portal is the state’s Medicaid site.
Delaware Medicare Assistance Bureau provides local assistance for Medicare beneficiaries.

Where do I shop for insurance in Washington D.C.?

Washington, D.C. residents use the district-based exchange: DC Health Link.

When is Open Enrollment for Washington D.C.?

November 1, 2024 - January 31, 2025

Residents must enroll by December 15 for coverage to start January 1, by January 15 for coverage to start February 1, and by January 31 for coverage to start March 1.

Outside the Open Enrollment Period, you generally can enroll in a health insurance plan if you have aqualifying life event.

Participating insurance carriers in Washington D.C.

CareFirst BlueChoice
Kaiser Foundation Health Plan of the Mid-Atlantic States

What are the 2025 insurance rates for Washington, D.C.?

The monthly average premium for all plans in Washington, D.C. in 2025 is $936, an increase of 4.73% (or $42) from 2024.

According to KFF, here are the average monthly premiums in D.C. for a 40-year-old in 2025:

Lowest-cost silver plan: $526
Second-lowest-cost silver plan: $578

What are the enrollment statistics for Washington, D.C. health insurance?

Individual health insurance. 14,301 residents enrolled in health insurance plans through DC Health Link during the 2024 Open Enrollment. Of these, roughly 18% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of September 2024, 263,400 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of June 2024, there were 95,661 beneficiaries of Medicare in Washington D.C.

Washington D.C. health insurance resources

The Department of Aging and Community Living provides free assistance for Medicare beneficiaries.

Where do I shop for insurance in Florida?

Florida uses the federal health insurance marketplace. Residents enroll through: HealthCare.gov.

When is Open Enrollment for Florida?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Florida residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Florida

Aetna Health
AmeriHealth Caritas Florida
Blue Cross and Blue Shield of Florida
Capital Health Plan
Celtic Insurance Company
Cigna Health and Life
Florida Health Care Plan
Health First Commercial Plans
Health Options
Molina Healthcare of Florida

What are the 2025 insurance rates for Florida?

The monthly average premium for all plans in Florida in 2025 is $663, an increase of 7.5% (or $46) from 2024.

According to KFF, here are the average monthly premiums in Florida for a 40-year-old in 2025:

Lowest-cost silver plan: $513
Second-lowest-cost silver plan: $515

What are the enrollment statistics for Florida health insurance?

Individual health insurance. 4,211,902 Floridians enrolled in exchange plans during the 2024 Open Enrollment Period. Of these, roughly 97% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid/CHIP. As of September 2024, 3,867,608 residents were enrolled in Medicaid/CHIP.
Medicare. As of June 2024, there were 5,098,048 Florida residents enrolled in Medicare.

Key insurance legislation and protection in Florida

Florida’s balance billing protections are among the nation’s strongest. Insurers must cover emergency care at in-network rates, whether or not the providers are in-network or the patient could choose another provider.

“Balance bills” primarily occur in two circumstances:

When an enrollee receives emergency care either at an out-of-network facility or from an out-of-network provider
When an enrollee receives elective nonemergency care at an in-network facility but is inadvertently treated by an out-of-network healthcare provider

Florida health insurance resources

Florida Consumer Action Network (FCAN). A grassroots organization that empowers citizens to influence public policy by organizing and educating in areas where consumer voices are underrepresented.
Florida Kid Care. Insurance resources for children up to the age of 18.
FloridaHealthFinder.gov. Administrator of the Florida Medicaid program, licensure and regulation of Florida’s health facilities, and information provider to Floridians about the quality of care they receive.

Where do I shop for insurance in Georgia?

Georgia residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Georgia?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Georgia residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Georgia

Aetna Health
Alliant Health Plans
Ambetter of Peach State
AMGP Georgia Managed Care Company
Anthem Blue Cross and Blue Shield
CareSource Georgia
Cigna HealthCare of Georgia
Kaiser Foundation Health Plan of Georgia
Oscar Health Plan of Georgia
UnitedHealthcare of Georgia

What are the 2025 insurance rates for Georgia?

The monthly average premium for all plans in Georgia in 2025 is $641, an increase of 9.9% (or $58) from 2024.

According to KFF, here are the average monthly premiums in Georgia for a 40-year-old in 2025:

Lowest-cost silver plan: $489
Second-lowest-cost silver plan: $493

What are the enrollment statistics for Georgia health insurance?

Individual health insurance. 1,305,114 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 93% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of September 2024, 1,980,502 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of June 2024, there were 1,928,118 beneficiaries of Medicare in Georgia.

Georgia health insurance resources

Georgia Department of Community Health (DCH). The lead agency for Medicaid also oversees the State Health Benefit Plan and Healthcare Facility Regulation Division (HFRD), impacting one in four Georgians.
Office of Insurance and Safety Fire Commissioner. Regulates and licenses health insurance products sold in the state, as well as the brokers and agents who sell them.
The Georgia Cares State Health Insurance Assistance Program provides counseling and assistance for Medicare beneficiaries and their caregivers.
Georgia Association for Primary Health Care, Inc. (GAPHC). Serves as the state’s federally-funded Navigator organization, helping people enroll in private health plans or Medicaid on the exchange.

Where do I shop for insurance in Hawaii?

The state oversees all plans sold, but Hawaii residents use the federal exchange to enroll: HealthCare.gov.

When is Open Enrollment for Hawaii?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Hawaii residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Hawaii

Hawaii Medical Service Association
Kaiser Foundation Health Plan

What are the 2025 insurance rates for Hawaii?

The monthly average premium for all plans in Hawaii in 2025 is $742, an increase of 6.65% (or $46) from 2024.

According to KFF, here are the average monthly premiums in Hawaii for a 40-year-old in 2025:

Lowest-cost silver plan: $486
Second-lowest-cost silver plan: $493

What are the enrollment statistics for Hawaii health insurance?

Individual health insurance. 22,170 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 93% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of September 2024, 429,832 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of June 2024, there were 304,613 beneficiaries of Medicare in Hawaii.

Hawaii health insurance resources

The Hawaii Department of Commerce and Consumer Affairs regulates health insurers, agents, and brokers.
Hawaii Medicaid is the state’s Medicaid site.

Where do I shop for insurance in Idaho?

Idaho residents use the state-based exchange: Your Health Idaho.

When is Open Enrollment for Idaho?

October 15, 2024 - December 16, 2024

Outside the Open Enrollment Period, you generally can enroll in a health insurance plan if you have a qualifying life event.

Participating insurance carriers in Idaho

Blue Cross of Idaho Health Service
Moda Health Plan
Molina Healthcare of Idaho
Mountain Health CO-OP
PacificSource Health Plans
Regence Blue Shield of Idaho
SelectHealth
St. Luke's Health Plan

What are the 2025 insurance rates for Idaho?

The monthly average premium for all plans in Idaho in 2025 is $488, an increase of 5.73% (or $26) from 2024.

According to KFF, here are the average monthly premiums in Idaho for a 40-year-old in 2025:

Lowest-cost silver plan: $430
Second-lowest-cost silver plan: $436

What are the enrollment statistics for Idaho health insurance?

Individual health insurance. 103,783 residents enrolled in health insurance plans during the 2024 Open Enrollment Period. Of these, roughly 87% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of September 2024, 328,384 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of June 2024, there were 390,573 beneficiaries of Medicare in Idaho.

Idaho health insurance resources

The Idaho Department of Insurance regulates health insurance companies, agents, and brokers.
Idaho Medicaid provides healthcare benefits for low-income Idaho residents.

Where do I shop for insurance in Illinois?

Illinois residents will shop for health insurance at HealthCare.gov.

The state runs the Get Covered Illinois website, which offers resources and assistance to residents who need help shopping for an insurance plan.

When is Open Enrollment for Illinois?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Illinois residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Illinois

Aetna Health
Aetna Life Insurance Company
Blue Cross Blue Shield of Illinois
Celtic Insurance Company
Cigna HealthCare of Illinois
Health Alliance Medical Plans
MercyCare HMO
Molina Healthcare of Illinois
Oscar Health Plan
Quartz Health Benefit Plans Corporation

What are the 2025 insurance rates for Illinois?

The monthly average premium for all plans in Illinois in 2025 is $707, an increase of 4.64% (or $31) from 2024.

According to KFF, here are the average monthly premiums in Illinois for a 40-year-old in 2025:

Lowest-cost silver plan: $468
Second-lowest-cost silver plan: $474

What are the enrollment statistics for Illinois health insurance?

Individual health insurance. 398,814 people enrolled in qualified health plans (QHPs) through the Illinois health insurance marketplace during the 2024 Open Enrollment Period. Of these, roughly 83% of Illinois residents using the exchange receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of September 2024, 3,379,793 residents were enrolled in Medicaid or CHIP.
Medicare. As of June 2024, there were 2,391,625 beneficiaries of Medicare in Illinois, about 18 percent of the state’s population.

Key health insurance legislation and protection in Illinois

Expanded mammogram coverage took effect in January 2020. SB162 requires insurers to continue to fully cover screening mammograms as federal law requires for preventative treatment but expands coverage to include breast ultrasounds and MRIs for women with dense breast tissue or women whose doctor believes the ultrasound or MRI is medically necessary. Insurers must also fully cover diagnostic mammograms, which are used when an abnormality is detected.

Illinois health insurance resources

Get Covered Illinois. A state-run program includes a website, in-person assistance, and a help desk for HealthCare.gov.
Illinois Health Matters. Information resources on healthcare reform
Illinois Health Care Assistance serves residents enrolled in private health insurance.
The Office of Consumer Health Insurance and the Ombudsman for the Uninsured serves residents who are uninsured as well as residents who have health insurance problems or questions.

Where do I shop for insurance in Indiana?

Indiana residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Indiana?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Indiana residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Indiana

Aetna Health
Anthem Ins Companies
CareSource Indiana
Celtic
Cigna Health and Life

What are the 2025 insurance rates for Indiana?

The monthly average premium for all plans in Indiana in 2025 is $525, a decrease of 1.25% (or $7) from 2024.

According to KFF, here are the average monthly premiums in Indiana for a 40-year-old in 2025:

Lowest-cost silver plan: $380
Second-lowest-cost silver plan: $382

What are the enrollment statistics for Indiana health insurance?

Individual health insurance. Over 295,772 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, 86.91% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 1, 2024, 1,788,233 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 1,366,354 beneficiaries of Medicare in Indiana.

Indiana health insurance resources

Indiana Department of Insurance. Regulates health insurance companies, brokers, and agents who sell plans.
Affiliated Service Providers of Indiana, Inc. (ASPIN). The federally-funded Navigator organization in Indiana offers assistance for people enrolling in Medicaid or a private plan through the exchange.
The Indiana State Health Insurance Assistance Information Program (SHIP) provides help and information to Medicare beneficiaries and their caregivers.

Where do I shop for insurance in Iowa?

Iowa has a state-run exchange, but residents enroll through the federal exchange: HealthCare.gov.

When is Open Enrollment for Iowa?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Iowa residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Iowa

Medica
Oscar
Wellmark Health Plan of Iowa

What are the 2025 insurance rates for Iowa?

The preliminary monthly average premium for all plans in Iowa in 2025 is $567, a decrease of 3.06% (or $18) from 2024.

According to KFF, here are the average monthly premiums in Iowa for a 40-year-old in 2025:

Lowest-cost silver plan: $427
Second-lowest-cost silver plan: $429

What are the enrollment statistics for Iowa health insurance?

Individual health insurance. 111,423 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, 88.03% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 1, 2024, 678,085 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 680,977 beneficiaries of Medicare in Iowa.

Iowa health insurance resources

Consumer Advocate Bureau provides assistance with navigating the healthcare system, assistance programs, and other issues related to health insurance benefits.

Where do I shop for insurance in Kansas?

Kansas residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Kansas?

November 1, 2024- January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Kansas residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Kansas

Aetna
Blue Cross and Blue Shield of Kansas City
Blue Cross and Blue Shield of Kansas
Celtic
Medica
Oscar
UnitedHealthcare

What are the 2025 insurance rates for Kansas?

The preliminary monthly average premium for all plans in Kansas in 2025 is $689, an increase of 8.72% (or $55) from 2024.

According to KFF, here are the average monthly premiums in Kansas for a 40-year-old in 2025:

Lowest-cost silver plan: $508
Second-lowest-cost silver plan: $513

What are the enrollment statistics for Kansas health insurance?

Individual health insurance. 171,376 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, 91% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 1, 2024, 418,808 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 585,115 beneficiaries of Medicare in Kansas.

Kansas health insurance resources

Kansas Insurance Department. Regulates insurance companies, agents, and brokers
Senior Health Insurance Counseling for Kansas (SHICK) provides assistance for Medicare beneficiaries
Kansas Department of Health, KanCare & Medicaid provides resources for lower-income Kansans
KanCare managed care plans offer health insurance for children.

Where do I shop for insurance in Kentucky?

Kentucky residents use the state exchange, Kynect.

When is Open Enrollment for Kentucky?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Kentucky residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Kentucky

Anthem Health Plans of Kentucky
CareSource Kentucky
Molina Healthcare of Kentucky
Wellcare Health Plans of Kentucky

What are the 2025 insurance rates for Kentucky?

The monthly average premium for all plans in Kentucky in 2025 is $674, an increase of 7.92% (or $49) from 2024.

According to KFF, here are the average monthly premiums in Kentucky for a 40-year-old in 2025:

Lowest-cost silver plan: $435
Second-lowest-cost silver plan: $442

What are the enrollment statistics for Kentucky health insurance?

Individual health insurance. 74,882 residents enrolled in qualified health plans (QHPs) through the state exchange during the 2024 Open Enrollment Period. Of these, 82.29% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 1,465,902 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 982,520 beneficiaries of Medicare in Kentucky.

Kentucky health insurance resources

Kynect – Kentucky’s Healthcare Connection is the consumer site for Kentucky’s marketplace.
Kentucky Health Benefit Exchange is the administrative site for Kentucky’s marketplace.
Foundation for a Healthier Kentucky. This organization is dedicated to addressing the unmet health needs of Kentuckians by developing and influencing policy, improving access to care, reducing health risks and disparities, and promoting health equity.
Kentucky Health Insurance Advocate, Kentucky Department of Insurance. Assists people insured by private health plans, Medicaid, or other plans, as well as those who are uninsured.

Where do I shop for insurance in Louisiana?

Louisiana residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Louisiana?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Louisiana residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Louisiana

Ambetter Health of Louisiana
CHRISTUS Health Plan Louisiana
HMO Louisiana
Louisiana Health Service & Indemnity Company
UnitedHealthcare

What are the 2025 insurance rates for Louisiana?

The preliminary monthly average premium for all plans in Louisiana in 2025 is $688, a decrease of 3.03% (or $22) from 2024.

According to KFF, here are the average monthly premiums in Louisiana for a 40-year-old in 2025:

Lowest-cost silver plan: $509
Second-lowest-cost silver plan: $524

What are the enrollment statistics for Louisiana health insurance?

Individual health insurance. 212,493 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, 90.91% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 1,587,448 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 932,561 beneficiaries of Medicare in Louisiana.

Louisiana health insurance resources

Department of Health & Hospitals. Louisiana Department of Health.
Louisiana Department of Insurance — Health Insurance Resources, regulates insurance companies, agents, and brokers who sell plans in the state.
Louisiana Senior Health Insurance Information Program is a resource for Medicare beneficiaries.
Louisiana Department of Health, Medicaid office

Where do I shop for insurance in Maine?

Maine residents use the state exchange, CoverME.gov

When is Open Enrollment for Maine?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Maine residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Maine

Anthem Health Plans of ME
Harvard Pilgrim Health Care (HPHC)
Maine Community Health Options
Taro Health Plan of Maine

What are the 2025 insurance rates for Maine?

The monthly average premium for all plans in Maine in 2025 is $768, an increase of 8.61% (or $61) from 2024.

According to KFF, here are the average monthly premiums in Maine for a 40-year-old in 2025:

Lowest-cost silver plan: $545
Second-lowest-cost silver plan: $546

What are the enrollment statistics for Maine health insurance?

Individual health insurance. 61,746 residents enrolled in qualified health plans (QHPs) through the state exchange during the 2024 Open Enrollment Period. Of these, 81.88% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 366,428 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 376,064 beneficiaries of Medicare in Maine.

Maine health insurance resources

The Maine Bureau of Insurance regulates health insurance companies, agents, and brokers.
Maine State Health Insurance Assistance Program provides information and assistance for Medicare beneficiaries.

Where do I shop for insurance in Maryland?

Maryland residents use the state-based exchange, Maryland Health Connection.

When is Open Enrollment for Maryland?

November 1, 2024 - January 15, 2025

People who enroll by December 31 will begin coverage on January 1. Those who enroll between January 1 and January 15 will begin coverage on February 1.

Outside of that window, Maryland residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Maryland

Aetna Health
CareFirst BlueChoice
CareFirst of Maryland
GHMSI
Kaiser Foundation Health Plan of the Mid-Atlantic States
Optimum Choice

What are the 2025 insurance rates for Maryland?

The monthly average premium for all plans in Maryland in 2025 is $504, an increase of 6.21% (or $29) from 2024.

According to KFF, here are the average monthly premiums in Maryland for a 40-year-old in 2025:

Lowest-cost silver plan: $362
Second-lowest-cost silver plan: $365

What are the enrollment statistics for Maryland health insurance?

Individual health insurance. 213,895 residents enrolled in qualified plans during the 2024 Open Enrollment Period. Of these, 73.37% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there is no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 1,607,486 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 1,138,982 beneficiaries of Medicare in Maryland.

Maryland health insurance resources

Maryland Department of Health
Maryland Health Education and Advocacy Unit provides services to Marylanders who need assistance with consumer or health billing issues.
Health Care Access Maryland offers assistance on a variety of healthcare issues.
Maryland Senior Health Insurance Program (SHIP) assists Medicare beneficiaries of any age in understanding their health insurance benefits, bills, and rights.

Where do I shop for insurance in Massachusetts?

Massachusetts residents use the state exchange Massachusetts Health Connector.

When is Open Enrollment for Massachusetts?

November 1, 2024 – January 23, 2025

Enroll by December 23 for coverage to start January 1. Enroll by January 23 for coverage to start February 1.

Outside of that window, Massachusetts residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Massachusetts

Blue Cross and Blue Shield of Massachusetts HMO Blue
Boston Medical Center Health Plan
Fallon Community Health Plan
Health New England
Mass General Brigham Health Plan
Tufts Health Public Plans
UnitedHealthcare

What are the 2025 insurance rates for Massachusetts?

The monthly average premium for all plans in Massachusetts in 2025 is $549, an increase of 7.90% (or $42) from 2024.

According to KFF, here are the average monthly premiums in Massachusetts for a 40-year-old in 2025:

Lowest-cost silver plan: $419
Second-lowest-cost silver plan: $447

What are the enrollment statistics for Massachusetts health insurance?

Individual health insurance. Over 290,162 residents enrolled in qualified health plans (QHPs) through the state exchange during the 2024 Open Enrollment Period. Of these, 79% receive federal premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 1,685,071 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 1,446,522 beneficiaries of Medicare in Massachusetts.

Massachusetts health insurance resources

Children’s Medical Security Plan. Provides coverage for primary and preventive medical and dental services to uninsured children who do not qualify for any other MassHealth types of coverage other than MassHealth Limited.
Health Care for All – Massachusetts Consumer Assistance Program. Assists people insured by private health plans, Medicaid, or other plans in resolving problems pertaining to their health coverage; assists uninsured residents with access to care.
The Massachusetts Division of Insurance regulates health insurance companies, brokers, and agents.
Office of Patient Protection, Department of Public Health. Assists residents and other consumers who receive health coverage from a Massachusetts carrier, insurer, or HMO.
Massachusetts’ SHINE Program (Serving the Health Insurance Needs of Everyone) is the state’s Medicare counseling and assistance program.

Where do I shop for insurance in Michigan?

Michigan oversees plans in the state, but residents enroll on the federal exchange, HealthCare.gov.

When is Open Enrollment for Michigan?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Michigan residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Michigan

Alliance Health and Life
Blue Care Network of Michigan
Blue Cross Blue Shield of Michigan Mutual
Health Alliance Plan
McLaren Health Plan Community
Meridian Health Plan of Michigan
Molina Healthcare of Michigan
Oscar
Physicians Health Plan
Priority Health

What are the 2025 insurance rates for Michigan?

The preliminary monthly average premium for all plans in Michigan in 2025 is $572, an increase of 10.46% (or $54) from 2024.

According to KFF, here are the average monthly premiums in Michigan for a 40-year-old in 2025:

Lowest-cost silver plan: $394
Second-lowest-cost silver plan: $404

What are the enrollment statistics for Michigan health insurance?

Individual health insurance. More than 418,100 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, 87.54% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 2,460,925 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 2,235,842 beneficiaries of Medicare in Michigan.

Michigan health insurance resources

Michigan Department of Insurance and Financial Services. Regulates health insurance companies, brokers, and agents and serves as a resource for Michigan residents with health insurance questions or complaints.
Arab Community Center for Economic & Social Services (ACCESS). The organization provides outreach and enrollment assistance to Michigan residents who need help obtaining health insurance.
Michigan Medicare/Medicaid Assistance Program (MMAP) provides health benefits counseling and assistance to Medicare and Medicaid beneficiaries.

Where do I shop for insurance in Minnesota?

Minnesota residents use the state-based exchange, MNsure.

When is Open Enrollment for Minnesota?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Minnesota residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Minnesota

HealthPartners
HMO Minnesota
Medica
Quartz Health Plan MN Corporation
UCare Minnesota

What are the 2025 insurance rates for Minnesota?

The monthly average premium for all plans in Minnesota in 2025 is $533, an increase of 8.29% (or $43) from 2024.

According to KFF, here are the average monthly premiums in Minnesota for a 40-year-old in 2025:

Lowest-cost silver plan: $355
Second-lowest-cost silver plan: $363

What are the enrollment statistics for Minnesota health insurance?

Individual health insurance. 135,001 residents enrolled in qualified plans during the 2024 Open Enrollment Period. Of these, 58.72% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 1,177,036 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 1,142,194 beneficiaries of Medicare in Minnesota.

Minnesota health insurance resources

The Minnesota Department of Human Services, Health Care Coverage provides Medicare and Medicaid assistance.
The Minnesota State Health Insurance Assistance Program provides information and resources for Minnesota Medicare beneficiaries.

Where do I shop for insurance in Mississippi?

Mississippi residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Mississippi?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Mississippi residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Mississippi

Ambetter of Magnolia
Blue Cross & Blue Shield of Mississippi
Cigna Health and Life
Molina Healthcare of Mississippi
Primewell Health Services of Mississippi
UnitedHealthcare of Mississippi

What are the 2025 insurance rates for Mississippi?

The preliminary monthly average premium for all plans in Mississippi in 2025 is $627, an increase of 1.82% (or $11) from 2024.

According to KFF, here are the average monthly premiums in Mississippi for a 40-year-old in 2025:

Lowest-cost silver plan: $479
Second-lowest-cost silver plan: $485

What are the enrollment statistics for Mississippi health insurance?

Individual health insurance. 286,410 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, 94.50% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 625,454 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 637,308 beneficiaries of Medicare in Mississippi.

Mississippi health insurance resources

Health Help Mississippi. Assists residents insured by private health plans, Medicaid, or other plans, as well as those who are uninsured.

Where do I shop for insurance in Missouri?

Missouri residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Missouri?

November 1, 2024 - January 15, 2025

Enroll by December 23 for coverage to start January 1. Enroll by January 23 for coverage to start February 1.

Outside of that window, Missouri residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Missouri

Aetna Life Insurance Company
Blue Cross and Blue Shield of Kansas City
Celtic Insurance Company
Cox Health Systems Insurance Company
Healthy Alliance Life Co (Anthem BCBS)
Medica Central
Medica
Oscar
UnitedHealthcare

What are the 2025 insurance rates for Missouri?

The preliminary monthly average premium for all plans in Missouri in 2025 is $639, a decrease of 1.68% (or $11) from 2024.

According to KFF, here are the average monthly premiums in Missouri for a 40-year-old in 2025:

Lowest-cost silver plan: $484
Second-lowest-cost silver plan: $489

What are the enrollment statistics for Missouri health insurance?

Individual health insurance. Over 359,369 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, 92.20% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 1,300,518 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 1,322,414 beneficiaries of Medicare in Missouri.

Missouri health insurance resources

Missouri Department of Insurance. Regulates health insurance plans as well as the brokers and agents who sell the plans.
Missouri HealthNet is the Medicaid office for Missouri.
Missouri State Health Insurance Assistance Program (CLAIM) provides help for Missouri residents with Medicare benefits.

Where do I shop for insurance in Montana?

Montana residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Montana?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Montana residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Montana

Blue Cross and Blue Shield of Montana
Montana Health Cooperative
PacificSource Health Plans

What are the 2025 insurance rates for Montana?

The preliminary monthly average premium for all plans in Montana in 2025 is $654, an increase of 8.27% (or $50) from 2024.

According to KFF, here are the average monthly premiums in Montana for a 40-year-old in 2025:

Lowest-cost silver plan: $540
Second-lowest-cost silver plan: $554

What are the enrollment statistics for Montana health insurance?

Individual health insurance. 66,336 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, 86.22% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 230,222 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 260,496 beneficiaries of Medicare in Montana.

Montana health insurance resources

First Choice Services is the federally-funded Navigator for Montana.
Montana Medicaid and Health Montana Kids (HMK) Plus provides healthcare for children.
Montana Medicare 101 provides information and assistance for Medicare beneficiaries.

Where do I shop for insurance in Nebraska?

The state oversees certain aspects of plans, but Nebraska residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Nebraska?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Nebraska residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Nebraska

Blue Cross and Blue Shield of Nebraska
Medica
Nebraska Total Care
Oscar

What are the 2025 insurance rates for Nebraska?

The preliminary monthly average premium for all plans in Nebraska in 2025 is $696, an increase of 3.9% (or $26) from 2024.

According to KFF, here are the average monthly premiums in Nebraska for a 40-year-old in 2025:

Lowest-cost silver plan: $595
Second-lowest-cost silver plan: $600

What are the enrollment statistics for Nebraska health insurance?

Individual health insurance. 117,882 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, 92.97% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 348,927 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 380,445 beneficiaries of Medicare in Nebraska.

Nebraska health insurance resources

Nebraska Department of Insurance’s Affordable Care Act page offers assistance with enrollment and information on plan availability.
Senior Health (SHIIP) provides enrollment advice and education for Medicare beneficiaries.

Where do I shop for insurance in Nevada?

Nevada residents use the state-based exchange, Nevada Health Link.

When is Open Enrollment for Nevada?

November 1, 2024 - January 15, 2025

For coverage beginning January 1, you must enroll by December 31. Coverage purchased by January 15 will start on February 1.

Outside the open enrollment period, you generally can enroll in a health insurance plan only if you have a qualifying life event.

Participating insurance carriers in Nevada

Aetna Health of Utah
Health Plan of Nevada
HMO Colorado
Hometown Health Plan
Imperial
Molina Healthcare of Nevada
Rocky Mountain Hospital and Medical Service
SelectHealth
Sierra Health and Life

What are the 2025 insurance rates for Nevada?

The average monthly premium for all plans in Nevada for 2025 is $568, an increase of 7.26% from 2024.

According to KFF, here are the average monthly premiums in Nevada for a 40-year-old in 2025:

Lowest-cost silver plan: $413
Second-lowest-cost silver plan: $414

What are the enrollment statistics for Nevada health insurance?

Individual health insurance. 96,706 residents enrolled in health insurance plans during the 2024 Open Enrollment Period. Of these, roughly 86.5% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there is no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 798,692 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 597,755 beneficiaries of Medicare in Nevada.

Nevada health insurance resources

Medicare Rights Center provides assistance and information to Medicare beneficiaries and their caregivers.

Where do I shop for insurance in New Hampshire?

The state oversees plans, but New Hampshire residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for New Hampshire?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, New Hampshire residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in New Hampshire

Anthem Health Plans of NH
Celtic
Harvard Pilgrim Health Care of NE
Matthew Thornton Health Plan (Anthem Blue Cross Blue Shield)

What are the 2025 insurance rates for New Hampshire?

The preliminary 2025 rate increase for New Hampshire is 4.84%, which would raise average monthly premiums to $475.

According to KFF, here are the average monthly premiums in New Hampshire for a 40-year-old in 2025:

Lowest-cost silver plan: $320
Second-lowest-cost silver plan: $325

What are the enrollment statistics for New Hampshire health insurance?

Individual health insurance. 65,117 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 70% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 184,296 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 341,929 beneficiaries of Medicare in New Hampshire.

New Hampshire health insurance resources

The New Hampshire Insurance Department regulates insurance companies, agents, and brokers.
Covering New Hampshire provides assistance with purchasing insurance.
New Hampshire Medicaid program.
New Hampshire State Health Insurance Assistance Program is a local resource for Medicare beneficiaries.

Where do I shop for insurance in New Jersey?

New Jersey uses its own state-based exchange, GetCoveredNJ.

When is Open Enrollment for New Jersey?

November 1, 2024 - January 31, 2025

Residents who enroll by December 31 will have coverage starting January 1. Residents who enroll in January will have coverage starting February 1. Outside of that window, New Jersey residents with qualifying events can still enroll or make changes to their coverage for 2025.

Residents who chose auto-renewal for an existing plan will be automatically enrolled in the same health plan at open enrollment.

Participating insurance carriers in New Jersey

AmeriHealth HMO Inc. and AmeriHealth Ins. Co. of New Jersey
Oscar Garden State Insurance Corporation
Horizon Healthcare Services Blue Cross Blue Shield of NJ
Aetna
UnitedHealthcare
WellCare Health Insurance Company

What are the 2025 insurance rates for New Jersey?

The preliminary average monthly premium for all plans in New Jersey in 2025 is $701, an increase of 6.08% from 2024.

According to KFF, here are the average monthly premiums in New Jersey for a 40-year-old in 2025:

Lowest-cost silver plan: $482
Second-lowest-cost silver plan: $492

What are the enrollment statistics for New Jersey health insurance?

Individual health insurance. Over 370,057 residents enrolled in qualified health plans (QHPs) through the state exchange during the 2024 Open Enrollment Period.
Medicaid and CHIP. As of May 2024, 1,921,476 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 1,753,532 beneficiaries of Medicare in New Jersey.

New Jersey health insurance resources

The New Jersey Department of Banking and Insurance, Insurance Division regulates insurance companies, brokers, and agents who sell insurance.
The New Jersey State Health Insurance Assistance Program answers questions about Medicare in New Jersey.
New Jersey Department of Human Services, Medicaid Office.

Where do I shop for insurance in New Mexico?

New Mexico residents use the state exchange, BeWellnm.

When is Open Enrollment for New Mexico?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, New Mexico residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in New Mexico

Blue Cross Blue Shield of New Mexico (Health Care Service Corporation)
Molina Healthcare of New Mexico
Presbyterian Health Plan
UnitedHealthcare of New Mexico

What are the 2025 insurance rates for New Mexico?

The preliminary average monthly premium for all plans in New Mexico for 2025 is $701, an increase of 10.41% from 2024.

According to KFF, here are the average monthly premiums in New Mexico for a 40-year-old in 2025:

Lowest-cost silver plan: $500
Second-lowest-cost silver plan: $515

What are the enrollment statistics for New Mexico health insurance?

Individual health insurance. 53,781 residents enrolled in qualified health plans (QHPs) through the state exchange during the 2024 Open Enrollment Period. Of these, roughly 87% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 776,681 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 460,045 beneficiaries of Medicare in New Mexico.

New Mexico health insurance resources

Health Action New Mexico is an organization working to empower consumers to build healthy communities and secure better healthcare for their families.
The New Mexico Aging and Disability Resource Center provides resources for seniors and those with disabilities.
The New Mexico Office of the Superintendent of Insurance regulates health insurance companies, brokers, and agents.

Where do I shop for insurance in New York?

New York uses its own state-based marketplace, the New York State of Health.

When is Open Enrollment for New York?

November 1, 2024 - January 31, 2025

As long as residents enroll by December 15, their coverage will begin on January 1. The deadline for a February 1 effective date is January 15, and individuals must purchase coverage by January 31 for a March 1 effective date.

Outside of that window, New York residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in New York

Aetna
Anthem
Capital District Physicians Health Plan (CDPHP)
Health Insurance Plan of Greater New York
Healthfirst PHSP
Highmark Western and Northeastern New York
Independent Health Benefits Corp
MetroPlus Health Plan
MVP Health Plan, Inc.
New York Quality Healthcare Corporation

What are 2025 insurance rates for New York?

The average monthly premium rate for all plans in New York in 2025 increased 12.7% from 2024 to $803.

According to KFF, here are the average monthly premiums in New York for a 40-year-old in 2025:

Lowest-cost silver plan: $766
Second-lowest-cost silver plan: $790

What are the enrollment statistics for New York health insurance?

Individual health insurance. 279,879 were enrolled in qualified health plans (QHPs) during the 2024 Open Enrollment Period.
Medicaid and CHIP. As of May 2024, 6,788,834 were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, 3,889,420 beneficiaries of Medicare in New York.

New York health insurance resources

Community Health Advocates is New York State’s designated healthcare consumer assistance program since 2010.
Medicare Rights Center provides assistance and information to Medicare beneficiaries and their caregivers.

Where do I shop for insurance in North Carolina?

North Carolina residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for North Carolina?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, North Carolina residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in North Carolina

Aetna
AmeriHealth Caritas North Carolina
Blue Cross and Blue Shield of NC
CareSource North Carolina
Celtic
Ambetter of North Carolina
Cigna Healthcare of North Carolina
Oscar Health Plan of North Carolina
UnitedHealthcare of North Carolina

What are the 2025 insurance rates for North Carolina?

The preliminary rate increase for 2025 is 7%.

According to KFF, here are the average monthly premiums in North Carolina for a 40-year-old in 2025:

Lowest-cost silver plan: $502
Second-lowest-cost silver plan: $507

What are the enrollment statistics for North Carolina health insurance?

Individual health insurance. Over 1,027,930 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 93% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 2,662,955 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 2,208,562 beneficiaries of Medicare in North Carolina.

North Carolina health insurance resources

North Carolina Institute of Medicine (NCIOM) helps shape health policy in North Carolina by identifying solutions to the state’s health challenges.
Legal Aid of North Carolina is a statewide nonprofit law firm that provides free legal services in civil matters to low-income people in order to ensure equal access to justice and to remove legal barriers to economic opportunity.

Where do I shop for insurance in North Dakota?

Residents enroll through the federal exchange: HealthCare.gov.

When is Open Enrollment for North Dakota?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, North Dakota residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in North Dakota

Blue Cross Blue Shield of North Dakota
Medica Health Plans
Sanford Health Plan

What are the 2025 insurance rates for North Dakota?

The preliminary average rate increase for 2025 is 16.65%.

According to KFF, here are the average monthly premiums in North Dakota for a 40-year-old in 2025:

Lowest-cost silver plan: $524
Second-lowest-cost silver plan: $537

What are the enrollment statistics for North Dakota health insurance?

Individual health insurance. 38,535 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 88% receive premium subsidies. Due to the changes made by the Inflation Reduction Act of 2022, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 103,011residents enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 146,912 beneficiaries of Medicare in North Dakota.

North Dakota health insurance resources

Children’s Health Insurance Program (North Dakota) provides health insurance for children in need.
The North Dakota Insurance Department regulates health insurance companies, brokers, and agents that sell in the state.
North Dakota State Health Insurance Counseling Program provides local assistance for Medicare beneficiaries.

Where do I shop for insurance in Ohio

Ohio residents will shop for health insurance on the federal exchange at HealthCare.gov.

When is Open Enrollment for Ohio?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Ohio residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Ohio

Aetna
AultCare
Ambetter - Buckeye Community Health Plan
CareSource Ohio
Community Insurance Company - Anthem BCBS
Medical Health Insuring Corp. of Ohio - aka Medical Mutual
Molina Healthcare of Ohio
Oscar Buckeye State Insurance Corporation
Oscar Insurance Corporation of Ohio
Paramount

What are the 2025 insurance rates for Ohio?

The preliminary rate increase for 2025 is 3.92%.

According to KFF, here are the average monthly premiums in Ohio for a 40-year-old in 2025:

Lowest-cost silver plan: $437
Second-lowest-cost silver plan: $441

What are the enrollment statistics for Ohio health insurance?

Individual health insurance. 477,793 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 88% receive premium subsidies. Due to the changes made by the Inflation Reduction Act of 2022, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 2,915,347 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 2,517,438 beneficiaries of Medicare in Ohio.

Ohio health insurance resources

The Ohio Department of Insurance regulates Ohio health insurance companies, brokers, and agents.
The Ohio Senior Health Insurance Information Program offers counseling, education, and assistance for Medicare beneficiaries and their caregivers.
CAP4Kids, Columbus area (Children’s Advocacy Project), is a compilation of community resources aimed at improving the health of children.

Where do I shop for insurance in Oklahoma?

Oklahoma residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Oklahoma?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Oklahoma residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Oklahoma

Blue Cross Shield of Oklahoma - BCBSOK
Celtic
Medica Insurance Company
Oscar Health
UnitedHealthCare (UHC) of Oklahoma
CommunityCare Oklahoma (CCOK)
Taro Health Plan of Oklahoma

What are the 2025 insurance rates for Oklahoma?

The preliminary premium rate increase for 2025 is 1.03%.

According to KFF, here are the average monthly premiums in Oklahoma for a 40-year-old in 2025:

Lowest-cost silver plan: $493
Second-lowest-cost silver plan: $501

What are the enrollment statistics for Oklahoma health insurance?

Individual health insurance. 277,436 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 94% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 986,148 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 799,267 beneficiaries of Medicare in Oklahoma.

Oklahoma health insurance resources

The Oklahoma Insurance Department regulates health insurance companies, brokers, and agents, and can address consumers’ questions and complaints.
Legal Aid Services of Oklahoma is the federally-funded Navigator organization in Oklahoma.
Oklahoma Medicare Assistance Program provides assistance for Medicare beneficiaries and their caregivers

Where do I shop for insurance in Oregon?

Oregon has a federal-state partnership exchange. Residents use the federal exchange to enroll: HealthCare.gov.

When is Open Enrollment for Oregon?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Oregon residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Oregon

BridgeSpan Health Company
Kaiser Foundation Health Plan of the NW
Moda Health Plan, Inc.
PacificSource Health Plans
Providence Health Plan
Regence BlueCross BlueShield of Oregon

What are the 2025 insurance rates for Oregon?

The final average premium rate increase for 2025 is 8.28%. The average premium (for all ages) is $709.

According to KFF, here are the average monthly premiums in Oregon for a 40-year-old in 2025:

Lowest-cost silver plan: $497
Second-lowest-cost silver plan: $510

What are the enrollment statistics for Oregon health insurance?

Individual health insurance. 145,509 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 77% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 1,418,094 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 938,928 beneficiaries of Medicare in Oregon.

Oregon health insurance resources

OregonHealthcare.gov is a state-run service that connects residents to health coverage options. However, residents must enroll on HealthCare.gov.
The Oregon Division of Financial Regulation regulates health insurance companies, agents, and brokers.
Oregon Senior Health Insurance Benefits Assistance provides information, and counseling to Medicare beneficiaries and their caregivers.

Where do I shop for insurance in Pennsylvania

Pennsylvania runs its own state-based marketplace, Pennie. GetInsured has a seven-year contract to run the exchange and call center.

When is Open Enrollment for Pennsylvania?

November 1, 2024 - January 15, 2025

December 15 is the last date residents can enroll for insurance that starts January 1. January 15 is the last date residents can enroll for insurance that starts February 1.

Outside of that window, Pennsylvania residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Pennsylvania

Capital Advantage Assurance Company
Geisinger Health Plan
Geisinger Quality Options
Health Partners of Philadelphia
Highmark Benefits Group
Highmark Coverage Advantage
Independence Blue Cross
Keystone Health Plan East
Keystone Health Plan Central

What are the 2025 insurance rates for Pennsylvania?

The preliminary average monthly premium rate for all plans in 2025 is $709, a 7.33% increase from 2024.

According to KFF, here are the average monthly premiums in Pennsylvania for a 40-year-old in 2025:

Lowest-cost silver plan: $441
Second-lowest-cost silver plan: $461

What are the enrollment statistics for Pennsylvania health insurance?

Individual health insurance. Over 419,832 residents enrolled in qualified health plans (QHPs) through the Pennsylvania state exchange during the 2024 Open Enrollment Period. Of these enrollees, roughly 89% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 3,126,082 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 2,931,029 beneficiaries of Medicare in Pennsylvania.

Pennsylvania health insurance resources

The Pennsylvania Insurance Department oversees and regulates the health insurance companies that offer plans in the state and the brokers and agents that sell the plans.
The Pennsylvania Department of Aging provides assistance for people with Medicare and their caregivers.
Medicare Rights Center is a nationwide service that provides Medicare-related assistance and information.

Where do I shop for insurance in Rhode Island?

Rhode Island residents use the state-based exchange HealthSource RI.

When is Open Enrollment for Rhode Island?

November 1, 2024 – January 31, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 31 will begin coverage on February 1.

Outside the open enrollment period, you generally can enroll in a health insurance plan if you have a qualifying life event.

Participating insurance carriers in Rhode Island

Blue Cross & Blue Shield of Rhode Island
Neighborhood Health Plan of Rhode Island

What are the 2025 insurance rates for Rhode Island?

The final average monthly premium rate for all plans in 2025 is $588, an increase of 7.8% from 2024.

According to KFF, here are the average monthly premiums in Rhode Island for a 40-year-old in 2025:

Lowest-cost silver plan: $404
Second-lowest-cost silver plan: $425

What are the enrollment statistics for Rhode Island health insurance?

Individual health insurance. 32,659 residents enrolled in health insurance plans during 2024 Open Enrollment. Of these, roughly 94% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 320,988 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 241,411 beneficiaries of Medicare in Rhode Island.

Rhode Island health insurance resources

The Rhode Island Department of Insurance regulates health insurance companies, agents, and brokers.
Rhode Island Senior Health Insurance Benefits Advisors (SHIBA) provides information and education for Medicare beneficiaries and their caregivers.
Medicare Rights Center offers assistance with Medicare-related questions.
Rhode Island Medicaid provides healthcare benefits for low-income Rhode Island residents.

Where do I shop for insurance in South Carolina?

South Carolina residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for South Carolina?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, South Carolina residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in South Carolina

Ambetter/Absolute Total Care
Blue Cross and Blue Shield of South Carolina
BlueChoice HealthPlan of South Carolina
Select Health of South Carolina
Molina Healthcare of South Carolina
UnitedHealthcare of South Carolina

What are the 2025 insurance rates for South Carolina?

The average preliminary premium rate for all plans in 2025 is $599 (unsubsidized).

According to KFF, here are the average monthly premiums in South Carolina for a 40-year-old in 2025:

Lowest-cost silver plan: $469
Second-lowest-cost silver plan: $471

What are the enrollment statistics for South Carolina health insurance?

Individual health insurance. 571,175 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 93% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 1,115,174 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 1,217,019 beneficiaries of Medicare in South Carolina.

South Carolina health insurance resources

The South Carolina Department of Insurance regulates health insurance companies, agents, and brokers.
The South Carolina Department on Aging provides information and assistance programs for Medicare beneficiaries.

Where do I shop for insurance in South Dakota?

Residents enroll through the federal exchange: HealthCare.gov.

When is Open Enrollment for South Dakota?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, South Dakota residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in South Dakota

Avera Health Plans
Sanford Health Plan
Wellmark of South Dakota

What are the 2025 insurance rates for South Dakota?

The preliminary average insurance rate for 2025 increased by 2.3%.

According to KFF, here are the average monthly premiums in South Dakota for a 40-year-old in 2025:

Lowest-cost silver plan: $616
Second-lowest-cost silver plan: $619

What are the enrollment statistics for South Dakota health insurance?

Individual health insurance. 52,974 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 93% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 130,827 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 196,996 beneficiaries of Medicare in South Dakota.

South Dakota health insurance resources

The Division of Insurance – South Dakota regulates health insurance companies, brokers, and agents that sell in the state.
Medicare Rights Center is a national assistance program for Medicare beneficiaries.

Where do I shop for insurance in Tennessee?

Tennessee residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Tennessee?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Tennessee residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Tennessee

Blue Cross Blue Shield of Tennessee
Celtic
Cigna Health and Life
Oscar
UnitedHealthcare

What are the 2025 insurance rates for Tennessee?

The average preliminary premium rate increase in 2025 is 1.38%.

According to KFF, here are the average monthly premiums in Tennessee for a 40-year-old in 2025:

Lowest-cost silver plan: $513
Second-lowest-cost silver plan: $516

What are the enrollment statistics for Tennessee health insurance?

Individual health insurance. 555,103 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 92% receive premium subsidies. Due to the changes made by the Inflation Reduction Act of 2022, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 1,442,757 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 1,470,845 beneficiaries of Medicare in Tennessee.

Tennessee health insurance resources

Family & Children’s Service is the federally-funded Navigator organization in Tennessee that can provide phone assistance with health insurance and Medicaid enrollment statewide.
The Tennessee Department of Commerce and Insurance regulates health plans in Tennessee, as well as the agents and brokers who sell policies to Tennessee residents.
Tennessee State Health Insurance Assistance Program (SHIP) for Medicare Participants offers assistance to Medicare beneficiaries and their caregivers.
Medicare Rights Center provides information and assistance with Medicare-related questions.

Where do I shop for health insurance in Texas?

Residents enroll on the federal exchange at HealthCare.gov

When is Open Enrollment for Texas?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Texas residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Texas

Aetna Health
Baylor Scott & White
Blue Cross Blue Shield of Texas
Celtic
CHRISTUS Health Plan
Cigna HealthCare of Texas
Community First Insurance Plans
Community Health Choice
Imperial Insurance Companies
Moda Health Plan

What are the 2025 insurance rates for Texas?

The preliminary rate increase for premiums in 2025 is 5.79%.

According to KFF, here are the average monthly premiums in Texas for a 40-year-old in 2025:

Lowest-cost silver plan: $482
Second-lowest-cost silver plan: $489

What are the enrollment statistics for Texas health insurance?

Individual health insurance. 3,484,632 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 95% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 4,223,984 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 4,723,413 beneficiaries of Medicare in Texas.

Key healthcare legislation

Texas only has legislative sessions in odd-numbered years. The following summarizes key healthcare legislation:

Transparency about specialists working at in-network facilities and prior authorization: SB1742 requires health plan provider directories to clearly state whether specialists practicing at in-network facilities are also in-network. The law also requires providers to offer a readily available list of services that are subject to prior authorization requirements and information about the provider’s total volume of prior authorization requirements and denials.
Surprise balance billing for fully insured plans. SB1264 requires the insurer and the out-of-network provider to work out the payment arrangements without involving the patient. Instead of billing the patient for amounts above their normal cost-sharing requirements, the out-of-network provider has to use a state-regulated mediation/arbitration process to work out a payment amount with the patient’s insurer. SB1037 ensures that surprise balance bills that are sent to collections won’t show up on the person’s credit report.

Texas health insurance resources

The Texas Department of Insurance regulates Texas’s insurance industry and oversees the administration of the Texas workers’ compensation system.
Texas Health Information, Counseling, and Advocacy Program is part of Texas Health and Human Services (HHS).
Change Happens Healthcare Navigators is a nonprofit that transforms the lives of families and children in high-risk communities of the Gulf Coast Region 6. They provide a variety of programs that empower people to help themselves.
Medicare Rights Center is the largest and most reliable independent source of Medicare information and assistance in the United States.

Where do I shop for insurance in Utah?

Utah residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Utah?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Utah residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Utah

Aetna Health of Utah
BridgeSpan Health
Imperial Health Plan of the Southwest
Molina Healthcare of Utah
Regence BlueCross BlueShield of Utah
SelectHealth
University of Utah Health Insurance Plans

What are the 2025 insurance rates for Utah?

The preliminary average premium rate increase for 2025 is 10.42%.

According to KFF, here are the average monthly premiums in Utah for a 40-year-old in 2025:

Lowest-cost silver plan: $532
Second-lowest-cost silver plan: $547

What are the enrollment statistics for Utah health insurance?

Individual health insurance. 366,939 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 94% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 334,872 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 460,7877 beneficiaries of Medicare in Utah.

Utah health insurance resources

The Utah Insurance Department regulates health insurance companies, brokers, and agents.
Utah Senior Services provides assistance and information for people regarding Medicare.

Where do I shop for insurance in Vermont?

Vermont residents use the state-based exchange Vermont Health Connect.

When is Open Enrollment for Vermont?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside the open enrollment period, you generally can enroll in a health insurance plan if you have a qualifying life event.

Participating insurance carriers in Vermont

MVP Health Care
Blue Cross Blue Shield of Vermont

What are the 2025 insurance rates for Vermont?

The final average monthly premium rate for all plans in 2025 in Vermont is $1,032, an increase of 18.04% from 2024.

According to KFF, here are the average monthly premiums in Vermont for a 40-year-old in 2025:

Lowest-cost silver plan: $1,275
Second-lowest-cost silver plan: $1,277

What are the enrollment statistics for Vermont health insurance?

Individual health insurance. 29,689 residents enrolled in health insurance plans during 2024 Open Enrollment. Of these, roughly 90% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 161,854 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 164,224 beneficiaries of Medicare in Vermont.

Vermont health insurance resources

The Vermont Department of Financial Regulation allows residents to file an insurance complaint.
Vermont State Health Insurance Program provides assistance for Medicare beneficiaries.
Medicare Rights Center provides assistance with Medicare-related questions.

Where do I shop for insurance in Virginia?

Virginia residents used the federal exchange, HealthCare.gov, until October 2023. Virginia moved to a state-based exchange called Virginia's Insurance Marketplace on October 10, 2023.

When is Open Enrollment for Virginia?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Virginia residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Virginia

Aetna Health
Anthem Health Plans of Virginia
CareFirst BlueChoice
Cigna Health and Life
Group Hospitalization and Medical Services
HealthKeepers
Innovation Health Plan
Kaiser Foundation Health Plan of the Mid-Atlantic States
Optimum Choice
Oscar

What are the 2025 insurance rates for Virginia?

The U.S. Centers for Medicare & Medicaid Services (CMS) will release the benchmark monthly premium rate for 2025 in late October 2024. The benchmark rate is the second-lowest-cost silver plan for a 27-year-old.

The final average insurance rate for all plans in Virginia in 2025 is $492, an increase of 4.01%

According to KFF, here are the average monthly premiums in Virginia for a 40-year-old in 2025:

Lowest-cost silver plan: $368
Second-lowest-cost silver plan: $372

What are the enrollment statistics for Virginia health insurance?

Individual health insurance. Over 396,041 residents enrolled in qualified health plans (QHPs) through the state marketplace during the 2024 Open Enrollment Period. Of these, roughly 87% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 1,845,822 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 1,673,073 beneficiaries of Medicare in Virginia.

Virginia health insurance resources

Cover Virginia is a state-run service that assists people enrolling in Medicaid or a private plan through the marketplace.
Virginia’s Department of Medical Assistance Services
The Virginia State Corporation Commission regulates health insurance companies, agents, and brokers. It runs Virginia’s new state-based exchange.
Virginia Insurance Counseling and Assistance Program (VICAP) assists Medicare beneficiaries and their caregivers with Medicare coverage and enrollment.

Where do I shop for health insurance in Washington state?

Residents enroll on the state exchange: Washington Healthplanfinder.

When is Open Enrollment for Washington?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Washington residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Washington

The following carriers offer plans on the Washington exchange:

Asuris Northwest Health
BridgeSpan Health Company
Community Health Plan of Washington*
- Will only offer public option plans
Coordinated Care Corporation*
Kaiser Foundation Health Plan of the Northwest
Kaiser Foundation Health Plan of Washington
LifeWise Health Plan of Washington*
Molina Healthcare of Washington
PacificSource Health Plans
Providence Health Plan
Premera Blue Cross
Regence BlueCross BlueShield of Oregon (Clark County only)
Regence BlueShield
UnitedHealthcare of Oregon*
- Will only offer public option plans

* Will offer public option plans (see below)

What are the 2025 insurance rates for Washington?

The final average monthly premium rate for all plans in 2025 increased 10.7% from 2024 to $659.

According to KFF, here are the average monthly premiums in Washington for a 40-year-old in 2025:

Lowest-cost silver plan: $416
Second-lowest-cost silver plan: $434

Washington offers first-in-the-nation public option

In 2019, Washington enacted S.B.5526, which ordered the creation of a “public option” health insurance plan in Washington by 2021. To do this, Washington contracts private health insurance companies to offer qualified health plans at the bronze, silver, and gold levels in the Washington exchange.

The plans, dubbed “Cascade Care,” offer standardized benefits, capping provider reimbursements at 160% of the Medicare reimbursement amounts. There are exceptions to this cap for rural hospitals, which will be guaranteed at least 101 percent of Medicare-approved costs, rural primary care providers, who are guaranteed at least 135 percent of Medicare rates, and instances in which the plan can’t develop an adequate network under the prescribed reimbursement constraints.)

What are the enrollment statistics for Washington health insurance?

Individual health insurance. 272,494 residents enrolled in health insurance during 2024 Open Enrollment. Of these, roughly 72% receive premium subsidies. Due to the changes made by the Inflation Reduction Act of 2022, there's no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid/CHIP. As of May 2024, 1,851,703 Washington residents enrolled in Medicaid/CHIP.
Medicare. As of May 2024, there were 1,512,404 Washington residents with Medicare coverage.

Where do I shop for insurance in West Virginia?

The state oversees all plans sold, but West Virginia residents use the federal exchange to enroll: HealthCare.gov.

When is Open Enrollment for West Virginia?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, West Virginia residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in West Virginia

Highmark Blue Cross Blue Shield
CareSource West Virginia
The Health Plan of West Virginia

What are the 2025 insurance rates for West Virginia?

The preliminary average rate increase for all plans in West Virginia for 2025 is 7.02%.

According to KFF, here are the average monthly premiums in West Virginia for a 40-year-old in 2025:

Lowest-cost silver plan: $908
Second-lowest-cost silver plan: $919

What are the enrollment statistics for West Virginia health insurance?

Individual health insurance. 51,046 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 94% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 514,248 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 450,656 beneficiaries of Medicare in West Virginia.

West Virginia health insurance resources

Medicare Rights Center provides assistance for people with Medicare.

Where do I shop for insurance in Wisconsin?

Wisconsin residents use the federal exchange, HealthCare.gov.

When is Open Enrollment for Wisconsin?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Wisconsin residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Wisconsin

Aspirus Health Plan
Common Ground Healthcare Cooperative
Chorus Community Health Plans
Compcare Health Serv Ins Co (Anthem BCBS)
Dean Health Plan
Group Health Cooperative of South Central Wisconsin
HealthPartners Insurance Company
Medica Community Health Plans of Wisconsin
MercyCare HMO Inc
Molina Healthcare of Wisconsin

What are the 2025 insurance rates for Wisconsin?

The average preliminary rate increase for all plans in Wisconsin in 2025 is 9.14%.

According to KFF, here are the average monthly premiums in Wisconsin for a 40-year-old in 2025:

Lowest-cost silver plan: $487
Second-lowest-cost silver plan: $495

What are the enrollment statistics for Wisconsin health insurance?

Individual health insurance. 266,327 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 87% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 1,222,976 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 1,305,618 beneficiaries of Medicare in Wisconsin.

Wisconsin health insurance resources

BadgerCare PLUS from the Department of Health provides services for lower-income residents.
Black Health Coalition of Wisconsin is a group of local organizations and individuals whose collaborative goal is to address the health problems of black Americans.
Medicaid for the Elderly, Blind, or Disabled provides services for residents on Medicaid.
Medicare Counseling for Wisconsin Residents provides information and services for residents about Medicare.

Where do I shop for insurance in Wyoming?

Residents enroll through the federal exchange: HealthCare.gov.

When is Open Enrollment for Wyoming?

November 1, 2024 - January 15, 2025

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 15 will begin coverage on February 1.

Outside of that window, Wyoming residents with qualifying events can still enroll or make changes to their coverage for 2025.

Participating insurance carriers in Wyoming

Blue Cross Blue Shield of Wyoming
Montana Health Cooperative

What are the 2025 insurance rates for Wyoming?

The preliminary average rate increase for all plans in Wisconsin for 2025 is 10.19%.

According to KFF, here are the average monthly premiums in Wyoming for a 40-year-old in 2025:

Lowest-cost silver plan: $858
Second-lowest-cost silver plan: $871

What are the enrollment statistics for Wyoming health insurance?

Individual health insurance. 42,293 residents enrolled in qualified health plans (QHPs) through the HealthCare.gov marketplace during the 2024 Open Enrollment Period. Of these, roughly 90% receive premium subsidies. Due to the changes made by the Inflation Reduction Act, there's no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5% of their household income.
Medicaid and CHIP. As of May 2024, 66,550 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
Medicare. As of May 2024, there were 126,573 beneficiaries of Medicare in Wyoming.

Wyoming health insurance resources

The Wyoming Department of Insurance regulates health insurance companies, insurance agents, and brokers in the state.
The Wyoming State Health Insurance Information Program provides local information and assistance for Medicare beneficiaries.
Medicare Rights Center is a national program with assistance for Medicare beneficiaries.

Which states have their own health insurance exchanges for 2025 Open Enrollment?

Most states use the federal Health Insurance Marketplace for Open Enrollment. However, some states run their own public exchanges. If you live in a state with its own exchange, you must use your state exchange to enroll in marketplace coverage.

The following states run a state-based exchange:

California
Colorado
Connecticut
District of Columbia
Georgia
Idaho
Kentucky
Maine
Maryland
Massachusetts
Minnesota
Nevada
New Jersey
New Mexico
New York
Pennsylvania
Rhode Island
Vermont
Virginia
Washington

Can I get health insurance after Open Enrollment?

Open Enrollment isn't the only time you can sign up for health insurance. If you experience a qualifying life event, you may be eligible for a special enrollment period. This generally only happens if you lose coverage, experience a change in family status, such as turning 26 or getting married, have a child, or move to a new state or ZIP code.

Read our article on special enrollment periods to learn more.

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Open Enrollment by state guide, 2024-2025

What is Open Enrollment?

When is 2025 Open Enrollment?

What do employers need to know about Open Enrollment?

How PeopleKeep helps

2025 individual insurance Open Enrollment by state

Skip to your state by clicking on its corresponding letter:

Alabama

Where do I shop for health insurance in Alabama?

When is Open Enrollment for Alabama?

Participating insurance carriers in Alabama

What are the 2025 insurance rates for Alabama?

What are the Open Enrollment statistics for Alabama health insurance?

Alabama health insurance and employee benefits resources

Alaska

Where do I shop for insurance in Alaska?

When is Open Enrollment for Alaska?

Participating insurance carriers in Alaska

What are the 2025 insurance rates for Alaska?

What are the enrollment statistics for Alaska health insurance?

Alaska health insurance resources

Arizona

Where do I shop for insurance in Arizona?

When is Open Enrollment for Arizona?

Participating insurance carriers in Arizona

What are the 2025 insurance rates for Arizona?

What are the enrollment statistics for Arizona health insurance?

Arizona health insurance resources

Arkansas

Where do I shop for insurance in Arkansas?

When is Open Enrollment for Arkansas?

Participating insurance carriers in Arkansas

What are the 2025 insurance rates for Arkansas?

What are the enrollment statistics for Arkansas health insurance?

Arkansas health insurance resources

California

Where do I shop for insurance in California?

When is Open Enrollment for California?

Participating insurance carriers in California

What are the 2025 insurance rates for California?

Some independent contractors are now eligible for benefits from their employer

Does California cap prescription costs?

What are the enrollment statistics for California health insurance?

California health insurance resources

Colorado

Where do I shop for insurance in Colorado?

When is Open Enrollment for Colorado?

Participating insurance carriers in Colorado

What are the 2025 insurance rates for Colorado?

What are the enrollment statistics for Colorado health insurance?

Colorado health insurance resources

Connecticut

Where do I shop for insurance in Connecticut?

When is Open Enrollment for Connecticut?

Participating insurance carriers in Connecticut