The 2016 Open Enrollment period for the Affordable Care Act (Obamacare) is November 1, 2015 to January 31, 2016. Key deadlines are:

  • November 1, 2015: Open Enrollment starts. Enroll or change your coverage here.
  • December 15, 2015: Deadline to have coverage that begins on January 1, 2016 (if you apply on December 16 you’re coverage will most likely not start until February 1).
  • December 31, 2015: Coverage ends for 2015 plans. You will be auto-renewed if you don’t change your plan.
  • January 31, 2016: This is the last day you can apply for 2016 coverage before the end of Open Enrollment.

If you miss this window you cannot enroll until the Marketplace re-opens in November 2016 unless you have a special “life event” such as having a baby or losing your job. You’ll also be just to a fine of 2.5% of your income or $695 per adult, whichever is greater.