Marketplace 2024 Open Enrollment Period Report: National Snapshot

By Affordable Care Act / November 21, 2023

The Centers for Medicare & Medicaid Services (CMS) reports that nearly 4.6 million Americans 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 4.1 million plan selections in the 32 states using the HealthCare.gov platform for the 2024 plan year, through November 18, 2023 (Week 3), and 502,000 plan selections in the 17 states and the District of Columbia with State-based Marketplaces (SBMs) that are using their own eligibility and enrollment platforms, through November 11, 2023 (Week 2). Total nationwide plan selections include 920,000 consumers (20% of total) who are new to the Marketplaces for 2024, and 3.7 million consumers (80% of total) who have active 2023 coverage and returned to their respective Marketplaces to renew or select a new plan for 2024. 

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

2024 Marketplace Open Enrollment Period Plan Selections by State
(New Consumers and Actively Returning Consumers)

Glossary

HealthCare.gov Marketplace: The 32 states 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 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 17 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. New York QHP data was not available at the time of this report. Generally, the data metric definitions provided here are applicable to the SBM metrics, with some exceptions. 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 does not currently include consumers who have been automatically re-enrolled in their current 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 does not currently include consumers who have been automatically re-enrolled in their 2023 plan or an alternate suggested plan for 2024 coverage. SBMs have reported the following data on plan selections for auto re-enrolled consumers.

[1]The returning consumers metric in this report only includes consumers who have returned to their respective Marketplace through the reporting date and selected a plan for 2024 coverage and excludes consumers who have been automatically re-enrolled in their 2023 plan for 2024 coverage or a suggested alternate plan. Please see the glossary for data on auto re-enrolled consumers that SBMs have reported to CMS.

[2] In addition to reported plan selections, New York and Minnesota have a Basic Health Program (BHP), which provides coverage to consumers with household incomes at or below 200% of the Federal Poverty Level who are not eligible for Medicaid or CHIP and otherwise would be eligible for a QHP. . From November 1 – November 11, 2023, New York had a total of 1,239,597 individuals enroll in a BHP. Minnesota’s BHP data was not available at the time of this report.