What is the last date that an application for Open Enrollment 2025 must be submitted?

The last date for submitting an application for Open Enrollment 2025 is December 15, 2024. This deadline is crucial as it is the cutoff for individuals to enroll in health insurance plans for the upcoming year under the Affordable Care Act (ACA). Enrolling by this date ensures that individuals can secure coverage that will take effect on January 1, 2025. After this date, there are limited circumstances under which one can enroll outside of the Open Enrollment period, usually requiring qualifying life events such as marriage, birth, or loss of other coverage. Understanding this deadline is essential for individuals wishing to avoid gaps in their health insurance coverage.