Skip to content

HCHY

Open enrollment for 2025 is November 1, 2024 – January 15, 2025 in most states. Enroll by December 15, 2024 for coverage that starts January 1, 2025. Some states have slightly different deadlines.

Individuals purchasing coverage through the Affordable Care Act (ACA) marketplace cannot be denied or charged more for coverage because of a pre-existing condition, including HIV. 

Those with low to moderate incomes may qualify for federal subsidies to buy a new plan through the marketplace. In some cases, you may pay no premium at all.

People who lose their job and with it their employer-sponsored insurance, as well as those in other special circumstances (e.g. marriage, divorce, a move, birth of a child), may be allowed to enroll outside of the open enrollment period. If you anticipate a coverage loss, you can apply for special enrollment in the ACA up to 60 days in advance. 

Additionally, some people may be eligible for Medicaid. Eligibility is typically determined based on monthly household income, among other factors, so people completely out of work or losing hours may newly qualify. Enrollment in Medicaid is ongoing throughout the year.

FAQs: Health Insurance Marketplace and the ACA

While every effort has been made to provide accurate and current information, please contact the marketplace or Medicaid agency in your state to confirm options in your area. The website is a product of KFF, an independent nonprofit health information organization not affiliated with Kaiser Permanente.