Marketplace 2025 Open Enrollment Period Report: National Snapshot
By Centers for Medicare & Medicaid Services / November 22, 2024
The Centers for Medicare & Medicaid Services (CMS) reports that nearly 496,000 consumers who do not currently have health care coverage through the individual-market Marketplace plans have signed up for coverage in 2025, since the start of the Marketplace Open Enrollment Period (OEP) on November 1. Existing consumers are also returning to the Marketplace to actively renew their coverage, and anyone who does not actively renew will be automatically re-enrolled for 2025. Over 2.5 million existing consumers have already returned to the Marketplace to select a plan for 2025.
Definitions and details on the data in this report are included in the glossary.
Glossary
HealthCare.gov Marketplace: The 31 Marketplace plans that use the HealthCare.gov platform for the 2025 coverage year, including the Federally Facilitated Marketplace (FFM) and State-based Marketplace (SBM) that use the federal platform (HealthCare.gov). The 31 states for 2025 include: Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, 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 Marketplace (SBM): The 19 states and the District of Columbia Marketplace that operate their own eligibility and enrollment platforms. The 20 SBM for 2025 includes: California, Colorado, Connecticut, the District of Columbia, Georgia, 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. Please contact the SBM plans 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, 2024, through the end of the reporting period. To have their coverage effectuated, consumers generally need to pay their first month’s health plan premium, if applicable. This release does not report the number of effectuated enrollments.
New Consumers (HealthCare.gov Marketplace): Consumers are considered new if they did not have 2024 Marketplace coverage through the federal platform through December 31, 2024, and made a 2025 plan selection through the federal platform.
New Consumers (SBM): Consumers are considered new if they did not have 2024 Marketplace coverage in the SBM that uses its own platform where they made a 2025 plan selection through the SBM.
Returning Consumers (HealthCare.gov Marketplace): Consumers are considered returning if they have 2024 Marketplace coverage through the federal platform through December 31, 2024, and either actively select the same plan or a new plan for 2025. The returning-consumers’ count does not currently include consumers who have been automatically re-enrolled in their current plan for 2025 coverage.
Returning Consumers (SBM): Consumers are considered returning if they have 2024 Marketplace coverage through December 31, 2024, in the same SBM where they actively select the same plan or a new plan for 2025. New York QHP data on returning consumers was not available at the time of this report. The returning-consumers’ count does not currently include consumers who have been automatically re-enrolled in their 2024 plan or an alternative suggested plan for 2025 coverage. SBM plans that have conducted auto-re-enrollments report the following data on plan selections for auto re-enrolled consumers.