What Happens If I Missed the Maryland Obamacare Enrollment Deadline for 2020?

If you missed the Affordable Care Act (Obamacare) deadline in Maryland, you may still be able to get covered.

What Happens If I Missed the Maryland Obamacare Enrollment Deadline for 2020?

Updated: 2020-07-28 by


For 2020 health plans, Maryland open enrollment ended on December 15, 2019. Unless you qualify for an exception, it's too late to purchase a 2020 health insurance plan under the Affordable Care Act.

If you let the ACA deadline pass you by, here are some things to know.

You Can Still Enroll If You Qualify for a “Special Enrollment” Period

Certain life events make you eligible to sign up for health insurance outside of open enrolllment. The circumstances under which you may qualify for special enrollment include:

  • moving to a new state
  • getting pregnant (beginning in 2020)
  • having a baby or adopting a child
  • getting married or divorced
  • leaving a job and losing your insurance
  • losing coverage under your parents’ plan
  • losing coverage because someone on your plan has died
  • losing other types of health insurance
  • gaining status as a member of an Indian tribe
  • becoming an American citizen, or
  • getting out of prison.

If you already have health insurance coverage through the marketplace, you may also qualify for a special enrollment period if you experience a change in income or household status that affects your eligibility for premium tax credits or cost-sharing reductions

To learn more, visit Maryland Health Connection.

Enrollment Never Closes for Medicaid 

Medicaid is administered by states for low-income families and individuals, people with disabilities, and some other adults. You can apply for Medicaid through Maryland's health insurance marketplace or by contacting Maryland’s Medicaid office

You Can Buy Insurance Directly From an Insurance Company or Agent at Any Time

If you buy coverage outside of the health insurance marketplace, your coverage will take effect soon after you pay your first premium, but you won’t qualify for the premium subsidies available through your state’s health insurance exchange.

Talk to a licensed broker. To directly connect with a Maryland insurance broker who can help you evaluate insurance plans and choose a plan that's appropriate for your situation, call 800-943-6832. (Please note that we receive advertising income from the licensed brokers who offer their services through this telephone number.)

You Can Buy a Health Plan From Maryland Health Connection During the Next Open Enrollment Period

Unless the Affordable Care Act is changed or repealed, open enrollment for 2021 will begin sometime in the fall of 2020.


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