Health Insurance: Options

This chart highlights the state laws related to health insurance options, including Marketplace plans, individual mandates, COBRA, short-term health plans, and more. Check back often, as this chart is updated frequently.

If you have a self-funded plan, certain state laws may not apply. For information on how to determine if your plan is self-funded, see our blog post.

For more health insurance information, visit our Health Insurance Materials & Resources.

StateHas a State Run Health Insurance Marketplace:2025 Open EnrollmentStates that Imposed Individual MandateState COBRA Law (covering employers with less than 20 employees):States Limiting Short-Term Health PlansHas a State High Risk Plan for Consumers
ALABAMANovember 1, 2025 to January 15, 2026
ALASKANovember 1, 2025 to January 15, 2026Xhttps://achia.com/
ARIZONANovember 1, 2025 to January 15, 2026x 18 monthshttps://benefitoptions.az.gov/cobra
ARKANSASNovember 1, 2025 to January 15, 2026x 120 dayshttps://insurance.arkansas.gov/site/assets/files/2536/cobra-2020.pdf
CALIFORNIAxhttp://coveredca.comNovember 1, 2025 to January 31, 2026Effective January 1, 2020https://www.ftb.ca.gov/about-ftb/newsroom/health-care-mandate/index.htmlx 36 monthshttps://www.dmhc.ca.gov/HealthCareinCalifornia/TypesofPlans/KeepYourHealthCoverage(COBRA).aspxNo Plans Allowed (CA SB910)https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201720180SB910Xhttps://www.dhcs.ca.gov/services/Documents/MRMIP/mrmip-memberhandbook.pdf
COLORADOxhttp://www.connectforhealthco.com/November 1, 2025 to January 15, 2026x 18 monthshttps://www.colorado.gov/pacific/dhr/cobraSignificant regulation including disclosure requirements and may not exceed 6 months. As a result, no short term insurance companies are offering plans in CO.https://codes.findlaw.com/co/title-10-insurance/co-rev-st-sect-10-16-102.html
CONNECTICUTxhttps://www.accesshealthct.com/November 1, 2025 to January 15, 2026x 30 monthshttps://portal.ct.gov/-/media/CID/30MonthContinuationFactSheetpdf.pdf?la=enPlans must cover essential health benefits, and typically doesn't cover pre existing conditions.https://www.ehealthinsurance.com/connecticut-health-insurance/health-plans/short-term
DELAWARENovember 1, 2025 to January 15, 2026x 9 monthshttps://insurance.delaware.gov/wp-content/uploads/sites/15/2017/01/DomesticForeignInsurersBulletinNo51AMENDED.pdfPlans are limited to 3 monthshttps://www.healthmarkets.com/content/short-term-health-insurance-delaware#:~:text=Can%20I%20Buy%20Short%2DTerm,than%20once%20in%20a%20year.
*DISTRICT OF COLUMBIAxhttps://dchealthlink.com/November 1, 2025 to January 31, 2026Effective January 1, 2019https://www.dchealthlink.com/individual-responsibility-requirementx 3 monthshttps://code.dccouncil.gov/us/dc/council/code/sections/32-732Plans are limited to 3 months, do not allow renewals, and cannot exclude pre-existing conditions that have been treated in the last 12 months. Due to the regulations, no plans are available in DC at this time.https://www.healthinsurance.org/short-term-health-insurance/dc/
FLORIDANovember 1, 2025 to January 15, 2026x 18 monthshttp://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.6692.html
GEORGIAxhttps://georgiaaccess.gov/November 1, 2025 to January 15, 2026x 3 monthshttp://ga.elaws.us/law/section33-24-21.1
HAWAIINovember 1, 2025 to January 15, 2026x 3 monthshttps://law.justia.com/codes/hawaii/2021/title-21/chapter-393/section-393-15/Plans are limited to 90 days and cannot be sold to anyone eligible to purchase a plan in the exchange during the previous calendar yearhttps://www.capitol.hawaii.gov/session/archives/measure_indiv_Archives.aspx?billtype=HB&billnumber=1520&year=2018
IDAHOxhttp://www.yourhealthidaho.org/October 15, 2025 to December 15, 2025New short-term plans limited to 4-month durations; Enhanced short-term plans no longer available for purchasehttps://www.billtrack50.com/BillDetail/1103806/2838
ILLINOISNovember 1, 2025 to January 15, 2026x 12 monthshttps://cms.illinois.gov/content/dam/soi/en/web/cms/benefits/stateemployee/documents/cobra/an-employers-guide-to-group-health-continuation-coverage-under-cobra.pdfAs of 1/1/25, plans under 365 days cannot be issued or renewed.https://idoi.illinois.gov/consumers/short-term-limited-duration-insurance.html
INDIANANovember 1, 2025 to January 15, 2026Plans cannot impose benefit cap less than $2 million.https://www.billtrack50.com/BillDetail/1034743
IOWANovember 1, 2025 to January 15, 2026x 9 monthshttps://www.legis.iowa.gov/docs/code/509B.3.pdfXhttps://hipiowa.com/
KANSASNovember 1, 2025 to January 15, 2026x 18 monthshttps://www.ksrevisor.org/statutes/chapters/ch40/040_022_0009.htmlPolicies may only be renewed once.https://codes.findlaw.com/ks/chapter-40-insurance/ks-st-sect-40-2-193.html
KENTUCKYx (uses HealthCare.gov for enrollment)https://kynect.ky.gov/s/?language=en_USNovember 1, 2025 to January 15, 2026x 18 monthshttps://insurance.ky.gov/ppc/Documents/howcanikeepmycoverage071317.pdf
LOUISIANANovember 1, 2025 to January 15, 2026x 12 monthshttps://law.justia.com/codes/louisiana/2006/6/82752.html
MAINExhttps://www.coverme.gov/November 1, 2025 to January 15, 2026x 12 monthshttps://www.maine.gov/pfr/insurance/frequently-asked-questions/cobra-mini-cobraPlans must expire at the the end of the calander year no matter when it was sold and cannot be sold to someone who had short term insurance in the past 12 months.https://legislature.maine.gov/statutes/24-A/title24-Asec2849-B.html
MARYLANDxhttp://www.marylandhealthconnection.gov/November 1, 2025 to January 15, 2026x 18 monthshttps://insurance.maryland.gov/Insurer/Documents/bulletins/bulletinlh08-13continuationcoverage.pdfPlans are limited to three months and cannot be renewedhttps://www.billtrack50.com/BillDetail/962405
MASSACHUSETTSxhttps://www.mahealthconnector.org/November 1, 2025 to January 23, 2026Has been effective since 2006https://www.mass.gov/info-details/health-care-reform-for-individualsx 18 monthshttps://www.mass.gov/service-details/minicobra-continuation-of-coverage-benefits-guidePlans must comply with the state’s guaranteed-issue and rating requirements. As such, no short term insurance companies are offering plans at this time.https://www.mahealthconnector.org/wp-content/uploads/board_meetings/2018/05-10-18/Federal-Policy-and-Regulatory-Update-051018.pdf
MICHIGANNovember 1, 2025 to January 15, 2026Plans are limited to a single 185 day term in a 365 day period.https://www.michigan.gov/difs/news-and-outreach/faq/insurance/short-term-limited-duration
MINNESOTAxhttp://mn.gov/hix/November 1, 2025 to January 15, 2026x 18 monthshttps://mn.gov/mmb/segip/notices/cobra-policy.jspThe plans are nonrenewable and cannot last more than 185 days.https://mn.gov/commerce/insurance/health/consumer-protections/limited-duration.jsp
MISSISSIPPINovember 1, 2025 to January 15, 2026x 12 monthshttps://www.dfa.ms.gov/cobra
MISSOURINovember 1, 2025 to January 15, 2026x 18 monthshttps://www.mchcp.org/stateMembers/cobra.asp
MONTANANovember 1, 2025 to January 15, 2026
NEBRASKANovember 1, 2025 to January 15, 2026x 6 monthshttps://nebraskalegislature.gov/laws/statutes.php?statute=44-1640
NEVADAxhttps://www.nevadahealthlink.com/November 1, 2025 to January 15, 2026x 18 monthshttps://law.justia.com/codes/nevada/2010/title57/chapter689b/nrs689b-245.htmlPlans are limited to 185 days with no renewals.https://www.nevadahealthlink.com/short-term-limited-durations-plans/
NEW HAMPSHIRENovember 1, 2025 to January 15, 2026x 18 monthshttps://www.insurance.nh.gov/consumers/health-insurance/cobra-and-continuation-coverageA short-term plan cannot be issued to anyone in New Hampshire who has had more than 540 days of short-term coverage in the past 24 months.https://www.insurance.nh.gov/consumers/health-insurance/new-hampshires-federally-facilitated-health-insurance-marketplace/short-term-plans
NEW JERSEYxhttps://www.getcovered.nj.gov/November 1, 2025 to January 31, 2026Effective January 1, 2019https://nj.gov/treasury/njhealthinsurancemandate/x 18 monthshttps://www.state.nj.us/dobi/division_insurance/ihcseh/bulletins/sehblt07_02.pdfNo short term plans allowed.https://www.healthinsurance.org/short-term-health-insurance/new-jersey/
NEW MEXICOxhttps://www.bewellnm.com/November 1, 2025 to January 15, 2026x 6 monthshttps://law.justia.com/codes/new-mexico/2011/chapter59A/article18/section59A-18-16/Plans are limited plans to 3 months, cannot be renewed, and cannot be sold to anyone who had a short term policy during the past 12 months. As such, no short term health insurance companies offer plans in New Mexico at this time.https://www.billtrack50.com/BillDetail/1028834Xhttps://www.nmmip.org/
NEW YORKxhttp://nystateofhealth.ny.gov/November 1, 2025 to January 31, 2026x 36 monthshttps://www.dfs.ny.gov/consumers/health_insurance/cobra_and_premium_assistanceAll health insurance plans must be guaranteed renewable. As such, short term health insurance policies are not permitted.https://www.dfs.ny.gov/reports_and_publications/press_releases/pr1806211
NORTH CAROLINANovember 1, 2025 to January 15, 2026x 18 monthshttps://www.shpnc.gov/individual-members/cobra-plan-overview
NORTH DAKOTANovember 1, 2025 to January 15, 2026x 39 weeks-36 monthshttps://ndlegis.gov/cencode/t26-1c36.pdfRequirements differ depending on if it is an individual short term plan or an association short term plan.https://www.insurance.nd.gov/sites/www/files/documents/Bulletins/2018/20180919%20Bulletin%202018-2.pdfXhttps://www.chand.org/
OHIONovember 1, 2023 to January 15, 2024x 12 monthshttps://codes.ohio.gov/ohio-revised-code/section-3923.38In Ohio, short-term health plans are limited to initial terms of no more than three months, and total durations (if renewable) of no more than four months.https://dam.assets.ohio.gov/image/upload/insurance.ohio.gov/Legal/Bulletins/Documents/2018-05.pdf
OKLAHOMANovember 1, 2023 to January 15, 2024x 63 days-6 monthshttps://oksenate.gov/sites/default/files/2019-12/os36.pdf
OREGONNovember 1, 2023 to January 15, 2024x 9 monthshttps://dfr.oregon.gov/insure/health/understand/coverage/Pages/state-continuation.aspxPlans are limited to 3 months and can not be renewed for another 60 days after the policy expires.https://dfr.oregon.gov/business/reg/health/pages/short-term-guidance.aspx#:~:text=Accordingly%2C%20Oregon%20law%20limits%20short,within%2060%20days%20of%20expiration.
PENNSYLVANIAxhttps://www.pennie.com/November 1, 2025 to January 15, 2026x 9 monthshttps://www.pa.gov/content/dam/copapwp-pagov/en/insurance/documents/coverage/documents/health/pa%20mini%20cobra%20update%20final%2003272015.pdf
*PUERTO RICOMedicaid in PR - not an ACA Marketplacehttps://medicaid.pr.gov/
RHODE ISLANDxhttp://www.healthsourceri.com/November 1, 2025 to January 31, 2026Effective January 1, 2020http://www.tax.ri.gov/healthcoveragemandate/index.phpx 18 monthshttps://employeebenefits.ri.gov/benefit-programs/active-employees/health-benefits/cobraPlans must cover all essential health benefits and state-mandated benefits, so there are no plans available for sale in Rhode Island.https://webserver.rilegislature.gov/Statutes/TITLE27/27-50/27-50-3.htmhttps://www.doi.sc.gov/703/South-Carolina-Health-Insurance-Pool
SOUTH CAROLINANovember 1, 2025 to January 15, 2026x 6 monthshttps://www.doi.sc.gov/DocumentCenter/View/11353/2019-State-ContinuationpdfXhttps://www.doi.sc.gov/703/South-Carolina-Health-Insurance-Pool
SOUTH DAKOTANovember 1, 2025 to January 15, 2026x 18 monthshttps://sdlegislature.gov/Statutes/58-18-7.5
TENNESSEENovember 1, 2025 to January 15, 2026x 3 monthshttps://codes.findlaw.com/tn/title-56-insurance/tn-code-sect-56-7-2312.html
TEXASNovember 1, 2025 to January 15, 2026x 6/9 monthshttps://www.tdi.texas.gov/hmo/documents/enrolleecobra.pdfPlans are limited to initial terms of no more than 3 months.https://statutes.capitol.texas.gov/Docs/IN/htm/IN.1509.htm
UTAHNovember 1, 2025 to January 15, 2026x 12 monthshttps://insurance.utah.gov/consumer/health/extension-conversion-rights/extensionUtah requires short-term plans to have benefit caps of at least $1 million, and coinsurance of no more than 50%.https://insurance.utah.gov/wp-content/uploads/286STLD-Disclosure.pdf
VERMONTxhttp://healthconnect.vermont.gov/November 1, 2025 to January 15, 2026Effective January 1, 2020https://info.healthconnect.vermont.gov/mandate_FAQx 18 monthshttps://humanresources.vermont.gov/benefits-wellness/cobraPlans are limited plans to 3 months and renewals are not allowed.https://legislature.vermont.gov/bill/status/2018/H.892
VIRGINIAxhttps://www.marketplace.virginia.gov/November 1, 2025 to January 15, 2026x 12 monthshttps://law.lis.virginia.gov/vacode/title38.2/chapter35/section38.2-3541/
WASHINGTONxhttp://www.wahealthplanfinder.org/November 1, 2025 to January 15, 2026https://www.insurance.wa.gov/insurance-resources/health-insurance/health-insurance-coverage/what-you-need-know-about-short-term-medical-plans#:~:text=Can%20I%20buy%20a%20short,months%20and%20cannot%20be%20renewed.Xhttps://www.insurance.wa.gov/insurance-resources/health-insurance/health-insurance-coverage/washington-state-health-insurance-pool-wship
WEST VIRGINIANovember 1, 2025 to January 15, 2026x 18 monthshttps://www.wvinsurance.gov/Portals/0/pdf/pol_leg/rules/ins/114-93 - Mini-COBRA - FINAL FILE - 3-20-12 - sy - CORRECTED NUMBERING - 8-15-12.pdf?ver=2012-08-15-145558-257
WISCONSINNovember 1, 2025 to January 15, 2026x 18 monthshttps://oci.wi.gov/Documents/Consumers/PI-023.pdf
WYOMINGNovember 1, 2025 to January 15, 2026x 12 monthshttps://law.justia.com/codes/wyoming/2011/title26/chapter19/section26-19-113/Xhttps://doi.wyo.gov/consumers/whip
GUAMGuam Dep't of Public Health and Social Services - not an ACA Marketplacehttp://dphss.guam.gov/
LAST UPDATED8/20258/20258/20258/20258/20258/2025

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