Marketplace 2022 Open Enrollment Period Report: Final National Snapshot

The Centers for Medicare & Medicaid Services (CMS) reports that 14.5 million Americans have signed up for or were automatically re-enrolled in 2022 individual market health insurance coverage through the Marketplaces since the start of the 2022 Marketplace Open Enrollment Period (OEP) on November 1, 2021 through January 15, 2022. This includes 10.3 million plan selections in the 33 states using the HealthCare.gov platform for the 2022 plan year, where the OEP ran through January 15, 2022, and 4.2 million 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 January 15, 2022, which represents the end of the OEP for many of the SBMs.[1]  Total nationwide plan selections include 3.0 million consumers (21% of total) who are new to the Marketplaces for 2022, and 11.5 million returning consumers (79% of total) who had active 2021 coverage and made a plan selection for 2022 coverage or were automatically re-enrolled. 

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

*As of this report’s publication date, 6 SBMs (California, Washington, DC, Kentucky, New Jersey, New York, and Rhode Island remain open with a January 31, 2022 deadline. Some SBMs also have established COVID Special Enrollment Periods that allow consumers to sign up for coverage beyond Open Enrollment. The data reporting periods for the SBMs are referenced in the glossary.

Glossary

HealthCare.gov States: The 33 states that use the HealthCare.gov platform for the 2022 coverage year, including the Federally-facilitated Marketplace and State-based Marketplaces that use the federal platform (HealthCare.gov). For 2022, Kentucky, Maine, and New Mexico transitioned to state Marketplace platforms and are not included in the 33 states using HealthCare.gov for 2022. The 33 states for 2022 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, Virginia, West Virginia, Wisconsin, and Wyoming.

State-based Marketplace (SBM) States: The 17 states and the District of Columbia with Marketplaces that operate their own eligibility and enrollment platforms. The 18 SBMs for 2022 are California, Colorado, Connecticut, the District of Columbia, Idaho, Kentucky, Maine, Maryland, Massachusetts, Minnesota, Nevada, New Jersey, New Mexico, New York, Pennsylvania, Rhode Island, Vermont, and Washington. Generally, the data metric definitions provided here are applicable to the SBM metrics, with some exceptions. The data represented in this report is reflective of final OEP plan selections for the following states:  CT, ID, ME, MD, MN, NV NM, PA, VT, and WA. It is not reflective of final OEP plan selections for SBMs that processed in-line applications past their January 15, 2022 OEP (CO) or had/have OEPs past January 15, 2022 (California, DC, Kentucky, Massachusetts, New Jersey, New York and Rhode Island). 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, 2021, through the end of the reporting period. Plan selections include those consumers who are automatically re-enrolled into their current plan or another plan with similar benefits. 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 States): A consumer is considered to be a new consumer if they did not have 2021 Marketplace coverage through December 31, 2021, and made a 2022 plan selection.

New Consumers (SBM States): A consumer is considered to be a new consumer if they did not have 2021 Marketplace coverage in a SBM that uses its own platform, and made a 2022 plan selection on or after November 1, 2021.

Returning Consumers (HealthCare.gov): A consumer is considered to be a renewing consumer if they had 2021 Marketplace coverage through December 31, 2021, and either actively selected the same plan or a new plan for 2022, were automatically re-enrolled into their 2021 plan, or were signed up for January 1 coverage in a suggested alternate plan.

Returning Consumers (SBM States): A consumer is considered to be a returning consumer if they had 2021 Marketplace coverage through December 31, 2021, and either actively selected the same plan or a new plan for 2022, were automatically re-enrolled into their 2021 plan, or were signed up for January 1 coverage in a suggested alternate plan.

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