Open Enrollment Deadlines: ACA & Medicare
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Book a health insurance appointment with a licensed agent — ACA Marketplace (Obamacare) plans, subsidies and enrollment. Free consultation, no obligation.
Key enrollment dates
- Medicare Annual Enrollment (AEP)
- October 15 – December 7
- Changes take effect January 1.
- ACA Marketplace Open Enrollment
- November 1 – January 15
- Extended window for late enrollment.
- January 1 effective date
- Apply by December 15
- Enroll or change plans by Dec 15 for coverage starting Jan 1.
- Late ACA enrollment
- December 16 – January 15
- Coverage starts February 1 instead.
Get free enrollment help before the deadline
Free review with a licensed Texas agent based in Katy. We'll tell you honestly if the ACA is still your best fit.
Guides
- Medicare Open Enrollment: October 15 – December 7
Medicare Annual Enrollment runs October 15 to December 7. Change Medicare Advantage or Part D plans for a January 1 start. Free local help in Katy, TX.
- ACA Open Enrollment: November 1 – January 15
ACA (Obamacare) open enrollment runs November 1 to January 15. Apply by December 15 for a January 1 start. The only option with subsidies and pre-existing condition coverage.
- Apply by December 15 for a January 1 Start Date
Want ACA coverage starting January 1? You must apply by December 15. Late enrollment runs to January 15 but starts February 1. Free help in Katy, TX.
- Lower Income or Pre-Existing Conditions? The ACA Is Your Option
Lower income or pre-existing conditions? The ACA Marketplace (Obamacare) is the only coverage that must accept you and the only one with subsidies. Here's why.
Local enrollment help
- Katy Open Enrollment: Deadlines and Free Local Help
Katy residents: ACA open enrollment runs Nov 1 – Jan 15 (apply by Dec 15 for Jan 1) and Medicare AEP runs Oct 15 – Dec 7. Free local enrollment help.
- Fulshear Open Enrollment: Deadlines and Free Local Help
Fulshear residents: ACA open enrollment runs Nov 1 – Jan 15 (apply by Dec 15 for Jan 1) and Medicare AEP runs Oct 15 – Dec 7. Free local enrollment help.
- Cypress Open Enrollment: Deadlines and Free Local Help
Cypress residents: ACA open enrollment runs Nov 1 – Jan 15 (apply by Dec 15 for Jan 1) and Medicare AEP runs Oct 15 – Dec 7. Free local enrollment help.
- Richmond Open Enrollment: Deadlines and Free Local Help
Richmond residents: ACA open enrollment runs Nov 1 – Jan 15 (apply by Dec 15 for Jan 1) and Medicare AEP runs Oct 15 – Dec 7. Free local enrollment help.
- Brookshire Open Enrollment: Deadlines and Free Local Help
Brookshire residents: ACA open enrollment runs Nov 1 – Jan 15 (apply by Dec 15 for Jan 1) and Medicare AEP runs Oct 15 – Dec 7. Free local enrollment help.
See if your household qualifies for a lower premium
Free review with a licensed Texas agent based in Katy. We'll tell you honestly if the ACA is still your best fit.