Open Enrollment Deadlines – 2021-2022

FEDERAL OPEN ENROLLMENT PERIOD FOR 2022

For states using the federal marketplace, the open enrollment period for 2022 will start on November 1, 2021 and end on January 15, 2022. The following states fall within this category:

Alabama

Alaska

Arizona

Arkansas

Delaware

Florida

Georgia

Hawaii

Illinois

Indiana

Iowa

Kansas

Louisiana

Michigan

Mississippi

Missouri

Montana

Nebraska

New Hampshire

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

South Carolina

South Dakota

Tennessee

Texas

Utah

Virginia

West Virginia

Wisconsin

Wyoming



OPEN ENROLLMENT DEADLINES IN STATES WITH STATE-BASED MARKETPLACES

With the exception of New York, states that have their own ACA exchanges will begin their open enrollment period on November 1, 2021.

State                       Open enrollment starts               Open enrollment ends

California             November 1, 2021                           January 31, 2022

Colorado              November 1, 2021                           January 15, 2022

Connecticut        November 1, 2021                           January 15, 2022

Idaho                    November 1, 2021                           December 15, 2021

Kentucky             November 1, 2021                            January 15, 2022

Maine                   November 1, 2021                            January 15, 2022

Maryland             November 1, 2021                             January 15, 2021

Massachusetts   November 1, 2021                             January 23, 2022

Minnesota            November 1, 2021                            January 15, 2022

Nevada                 November 1, 2021                            January 15, 2022

New Jersey          November 1, 2021                           January 31, 2022

New Mexico         November 1, 2021                            January 15, 2022

New York              November 16, 2021                         January 31, 2022

Pennsylvania       November 1, 2021                           January 15, 2022

Rhode Island       November 1, 2021                            January 31, 2022

Vermont               November 1, 2021                            December 15, 2021

Washington DC    November 1, 2021                           January 31, 2022

Washington          November 1, 2021                            January 15, 2021

DEADLINE FOR NOTIFICATIONS / NOTICES

Notice                                                                      Who must provide it                                        Due date

Notice to Employees of Coverage Options.        Employers who fall under the                            Within 14 days of hiring an employee.

                                                                                 Fair Labor Standards Act. 

HIPAA Special Enrollment Rights notice.            Health plans and health care providers.          When an employee is offered to enroll in a group health plan.

Summary of Benefits and Coverage.                   Plan sponsors.                                                     During the initial, special, and annual enrollment periods.

Summary Plan Description.                                  Plan sponsors.                                                     Within 90 days of enrollment, if the plan already exists,

                                                                                                                                                                or within 120 days after a new plan is created.

Summary of Material Reduction                          Employers who made modifications.                Within 60 days after the plan’s  changes.

(Covered or Benefits).                                            that reduced the covered services or

                                                                                 benefits offered in a plan.             

Medicare Part D Creditable Coverage Notice.    Group health plans that cover                           When a participant first enrolls and then annually before

                                                                                 prescription drugs.                                              Medicare’s open enrollment period begins.

Women’s Health and Cancer Rights                    Group health plans and health                          Due annually for open enrollment.

Act Notice.                                                              insurance companies.

CHIP Notice.                                                           Group health plans in a state  that                    During open enrollment.

                                                                                 provides a premium subsidy to

                                                                                 families with low-income children. 

Grandfathered Plan Notice.                                  Employers with a grandfathered                       Whenever a summary of a plan’s benefits is provided.

                                                                                 health insurance plan. 

Patient Protections Notice.                                  Group health plans that use a primary              Whenever a description of a plan’s benefits is provided.

                                                                                 care physician and require that a

                                                                                 Summary Plan Description (SPD) is  

                                                                                 provided to participants.

Initial COBRA Notice.                                             Employers with at least 20 employees              No more than 90 days after an employee’s enrollment

                                                                                 that provide group health plan coverage.          in a COBRA eligible plan.

HIPAA Privacy Notice.                                           Health insurance issuers.                                     Upon enrollment, within 60 days after a material change,

                                                                                                                                                                  and annually for at least three years after that.

HIPAA Wellness Program Notice.                         Employers whose wellness plans                        Before employee wellness plan participation.

                                                                                 require that members comply with  

                                                                                 a health standard.

Americans with Disabilities Act                           ADA-covered employers with at least                 Before employee wellness plan participation.

Wellness Program Notice.                                     15 employees whose wellness programs

                                                                                 require medical questions or examinations.   

As ACA moves towards offering comprehensive health coverage for all Americans, enrolling will only get more difficult. So why not have an expert lend you a hand?

At Zupnick & Associates, we have the technical tools and hands-on experience you need to have a seamless enrollment in 2022. So whether you need sample notices or even help to outsource your employee benefits, make sure you contact us today.