Marketplace 2024 Open Enrollment Period Report: Final National Snapshot

By Affordable Care Act / January 24, 2024

The Centers for Medicare & Medicaid Services (CMS) reports that 21.3 million consumers have signed up for 2024 individual market health insurance coverage through the Marketplaces since the start of the 2024 Marketplace Open Enrollment Period (OEP) on November 1. This includes 16.4 million Marketplace plan selections in the 32 states using the HealthCare.gov platform for the 2024 plan year through the end of the OEP on January 16, 2024 (Week 11+), and 4.9 million plan selections in the 18 states and the District of Columbia with State-based Marketplaces (SBMs) that are using their own eligibility and enrollment platforms, through January 13, 2024 (Week 11) or the end of their OEP[1].  Total nationwide plan selections include 5 million consumers (24% of total) who are new to the Marketplaces for 2024, and 16.3 million consumers (76% of total) who have active 2023 coverage and returned to their respective Marketplaces to renew or select a new plan for 2024. 

As of December 31, 2023, CMS data shows that 2.4 million plan selections within states using HealthCare.gov, or approximately 15%, were made by individuals who were previously enrolled in Medicaid or CHIP coverage. By the end of the Open Enrollment Period on January 16, 2024, nearly 4.2 million more individuals with household incomes under 250% of the federal poverty level enrolled in coverage compared to last year. This further indicates that lower-income individuals and families have enrolled in quality Marketplace coverage as states continue their post-COVID redeterminations of Medicaid and CHIP eligibilities. 

Definitions and details on the data in this report are included in the glossary. 

Glossary

HealthCare.gov Marketplace: The 32 Marketplaces that use the HealthCare.gov platform for the 2024 coverage year, including the federally facilitated Marketplace and State-based Marketplaces that use the federal platform (HealthCare.gov). The 32 HealthCare.gov Marketplace states for 2024 include: 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, West Virginia, Wisconsin, and Wyoming.

State-based Marketplaces (SBMs): The Marketplaces in the 18 states and the District of Columbia that operate their own eligibility and enrollment platforms. The 19 SBMs for 2024 include: California, Colorado, Connecticut, the District of Columbia, Idaho, Kentucky, Maine, Maryland, Massachusetts, Minnesota, Nevada, New Jersey, New Mexico, New York, Pennsylvania, Rhode Island, Vermont, Virginia and, Washington. Generally, the data metric definitions provided here are applicable to the SBM metrics, with some exceptions. The following SBMs are reporting final plan selection activity through the end of their OEPs: Colorado, Connecticut, Idaho, Kentucky, Maryland, Minnesota and Washington. The remaining SBMs are reporting plan selection activity through January 13, 2024, as final data was not available at the time of the Snapshot’s reporting deadline.  Please contact the SBMs for additional information on their metrics. 

Cumulative Plan Selections: The cumulative metric represents the total number of people who have submitted an application and selected a plan, net of any cancellations from a consumer or cancellations from an insurer that have occurred from November 1, 2023, through the end of the reporting period. To have their coverage effectuated, consumers generally need to pay their first month’s health plan premium. This release does not report the number of effectuated enrollments.

New Consumers (HealthCare.gov Marketplace): Consumers are considered new if they did not have 2023 Marketplace coverage through the federal platform through December 31, 2023, and made a 2024 plan selection through the federal platform.

New Consumers (SBMs): Consumers are considered new if they did not have 2023 Marketplace coverage in the SBM that uses its own platform where they made a 2024 plan selection through the SBM.

Returning Consumers (HealthCare.gov Marketplace): Consumers are considered returning if they have 2023 Marketplace coverage through the federal platform through December 31, 2023, and either actively select the same plan or a new plan for 2024. The returning consumers count includes consumers who have been automatically re-enrolled in their 2023 plan for 2024 coverage.

Returning Consumers (SBMs): Consumers are considered returning if they have 2023 Marketplace coverage through December 31, 2023, in the same SBM, where they actively select the same plan or a new plan for 2024. The returning consumers count includes consumers who have been automatically re-enrolled in their 2023 plan or an alternate suggested plan for 2024 coverage