Enrolling in Marketplace Coverage for 2023
What you should know about open enrollment
The open enrollment period for 2023 health insurance coverage through marketplaces and other individual plans begins on November 1. The National Association of Insurance Commissioners (NAIC) shares what you need to know to enroll.
Consumers in many states use the federal marketplace through HealthCare.gov, and for them, open enrollment runs Nov. 1, 2022–Dec. 15, 2022. A few states start open enrollment earlier or end later. Check here for state specific information.
Those who currently have marketplace coverage, or will need it in 2023, should make time to shop for plans. If you already have coverage through a marketplace plan, review your information to make sure it is accurate. You can update your application with any income and household changes. You might qualify for a different amount of financial assistance or find a different plan that costs less and/or better meets your needs.
The NAIC’s Health Insurance Shopping Tool provides a three-step process to compare different health insurance policies. Use the tool to understand how different policies support your health care needs.
What to Look For
If your plan is no longer available in 2023, you should receive a notice from your insurer and the marketplace. Even if your plan is continuing, it pays to shop around and check whether the doctors and/or hospitals your family uses are in the plan’s networks.
If you’re looking for a new plan, there are four categories of health insurance plans to choose from on the marketplace—bronze, silver, gold, and platinum. They're broken down by how costs are shared between you and your insurer. A fifth category, catastrophic, is available for consumers under 30 years of age or who face a hardship in accessing the other plans. Learn more about the different plans and network types.
If you have questions about the health insurance marketplace in your state, contact your state insurance department. For more information on NAIC activity on health care reform, visit the Health Care Reform Special Section.
About the National Association of Insurance Commissioners
As part of our state-based system of insurance regulation in the United States, the National Association of Insurance Commissioners (NAIC) provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers. The U.S. standard-setting organization is governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer reviews, and coordinate regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally.