Open enrollment is the annual period to establish or modify health care coverage. It’s a crucial time to ensure your health insurance aligns with your current needs. You can review, re-enroll, or explore new benefit options during this period.
Missing the 2025 open enrollment period means you can only get coverage if you qualify for a Special Enrollment Period due to life events like marriage, childbirth, or loss of other coverage. Knowing these details helps prevent coverage gaps.
Definition of Open Enrollment
Open enrollment is the annual opportunity to sign up for or modify your health insurance plan, ensuring it meets your needs for the coming year.
This period is your annual chance to adjust benefits, add new coverage options, or switch to a plan that better suits your health and financial needs.
Key Dates for Open Enrollment 2025 in Kentucky

Kentucky’s open enrollment for 2025 starts on November 1, 2024, and ends on January 15, 2025. Use this window to assess and adjust your health coverage. Missing this period means you can only enroll or change plans if you experience a qualifying life event.
Enroll by December 15, 2024, for coverage starting January 1, 2025. If you enroll between December 16, 2024, and January 15, 2025, coverage starts on February 1, 2025. Knowing these dates helps avoid lapses in coverage.
Important Deadlines for Coverage
Knowing the deadlines within the open enrollment period is crucial for securing 2025 health coverage. In Kentucky, this period for individual plans runs from November 1, 2024, to January 15, 2025.
Specific deadlines within this period determine your coverage start date. Enroll by December 15, 2024, for coverage starting January 1, 2025, or by January 15, 2025, for coverage starting February 1, 2025.