2025 open enrollment
The 2025 annual open enrollment period will run from Nov. 1, 2024, through Jan. 15, 2025.
During open enrollment, you can enroll, renew and make changes to your individual health plan.
Buy a plan
Outside the Exchange - contact an insurance agent or broker.
From the Exchange - visit the Washington Healthplanfinder website.
If you missed open enrollment, you can still join a health plan if you qualify for Apple Health or a special enrollment period.
How special enrollment periods work
If certain events happen in your life, you may buy a health plan outside of the yearly open enrollment period. This is called a special enrollment period. Sometimes, special enrollment lasts 60 days from an event that qualifies (see examples below). But in most cases, you can also join a health plan 60 days before that event. If you don't qualify for a special enrollment period, you'll need to wait until the next open enrollment period.
Note: You don't qualify for a special enrollment period if you cancel your health insurance or your insurer cancels it because you didn't pay your premium.
When your coverage starts depends on certain factors. These include the type of event in your life and the time when you enroll. To learn more, call the Exchange at 855-923-4633.
Events that qualify for a special enrollment period
Some examples of events that qualify you for a special enrollment period include:
- Losing health coverage, including an individual or employer plan.
- Losing Apple Health (Medicaid) because you no longer qualify.
- Giving birth to or adopting a child.
- Permanently moving to a new area where you can't get coverage from your current plan.
- Employer not paying your COBRA premium on time.
- COBRA coverage ending.
- Your dependent turning 26 and losing their coverage on your employer’s plan.
- Getting married or entering into a domestic partnership.
- Losing your health coverage after a divorce or separation.
- Canceling your Washington State Health Insurance Pool (WSHIP) coverage.
- Your health plan no longer being sold in Washington state.
Events that qualify for health plans from the Exchange
The Exchange and the U.S. Department of Health and Human Services can add more events that qualify for special enrollment periods. For more information, contact the Exchange.