Health Insurance State Laws:
Options

This chart highlights the state laws related to health insurance options, including the Marketplace, 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.

If you don't find what you're looking for, see our other Charts of Health Insurance State Laws:

For more health insurance information, visit our Health Insurance Materials & Resources. If you are looking for information on Medicare or Medicaid, return to the main state laws page.

StateHas a State Run Health Insurance Marketplace:2024 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 ConsumersHas a State High Risk Plan as a Medicare Supplemental Plan
ALABAMANovember 1, 2023 to January 15, 2024
ALASKANovember 1, 2023 to January 15, 2024Xhttps://achia.com/
ARIZONANovember 1, 2023 to January 15, 2024x 18 monthshttps://benefitoptions.az.gov/cobra
ARKANSASNovember 1, 2023 to January 15, 2024x 4 monthshttps://insurance.arkansas.gov/uploads/pages/cobra-2020.pdf
CALIFORNIAxhttp://coveredca.comNovember 1, 2023 to January 31, 2024Effective 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, 2023 to January 15, 2024x 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, 2023 to January 15, 2024x 30 monthshttps://portal.ct.gov/-/media/CID/30MonthContinuationFactSheetpdf.pdf?la=enPlans are limited to 6 months, 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, 2023 to January 15, 2024x 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, 2023 to January 31, 2024Effective June 30, 2020https://mytax.dc.gov/_/x 3 monthshttps://code.dccouncil.us/dc/council/code/sections/32-732.htmlPlans 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, 2023 to January 15, 2024x 18 monthshttp://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.6692.html
GEORGIANovember 1, 2023 to January 15, 2024x 3 months
HAWAIINovember 1, 2023 to January 15, 2024x 3 monthshttps://labor.hawaii.gov/dcd/files/2013/01/PHC-highlights.pdfPlans 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, 2023 to December 15, 2023Plans are limited to to 364 days and standard plans cannot to renewed beyond that time.https://www.healthinsurance.org/short-term-health-insurance/idaho/
ILLINOISNovember 1, 2023 to January 15, 2024x 12 monthshttp://insurance.illinois.gov/healthInsurance/continuationRights.pdfPlans are limited to 6 months after which it can not be renewed for 60 days and plans have certain disclosure requirementshttps://www.ilga.gov/legislation/publicacts/100/100-1118.htm
INDIANANovember 1, 2023 to January 15, 2024Plans cannot impose benefit cap less than $2M and cannot have a term longer than 1 year.https://www.billtrack50.com/BillDetail/1034743
IOWANovember 1, 2023 to January 15, 2024x 9 monthshttps://das.iowa.gov/sites/default/files/hr/benefits/documents/COBRA.Continuation.Rights.Ltr.pdfPlans cannot have a term longer than 1 year, and a pre-existing condition exclusion periods cannot exceed the length of the initial term.https://www.legis.iowa.gov/docs/aco/arc/4332C.pdf?utm_medium=email&utm_source=govdeliveryXhttps://www.legis.iowa.gov/docs/publications/FTNO/15779.pdfX
KANSASNovember 1, 2023 to January 15, 2024x 18 monthshttps://www.ksrevisor.org/statutes/chapters/ch40/040_022_0009.htmlPolicies are limited to one year and may only be renewed once.https://www.healthinsurance.org/short-term-health-insurance/kansas/
KENTUCKYx (uses HealthCare.gov for enrollment)https://kynect.ky.gov/s/?language=en_USNovember 1, 2023 to January 16, 2024x 18 monthshttp://insurance.ky.gov/ppc/Documents/statecontinuationcoverage012612.pdfPlan must make certain disclosure and a term cannot be longer than 1 year.https://www.healthinsurance.org/short-term-health-insurance/kentucky/
LOUISIANANovember 1, 2023 to January 15, 2024x 12 monthshttps://law.justia.com/codes/louisiana/2006/6/82752.htmlThe lookback period for pre-existing conditions may not exceed 12 months.https://www.ldi.la.gov/docs/default-source/documents/legaldocs/title-22/title-22.pdf?sfvrsn=53dd4b52_6
MAINExhttps://www.coverme.gov/November 1, 2023 to January 16, 2024x 12 monthsPlans must expire at the the end of the calander year no matter when it was sold, cannot be sold to one who had short term insurance in the past 12 months, and requires an in-person meeting to be eligible, among other requirements. As such, no plans are available in Maine at this time.https://legislature.maine.gov/statutes/24-A/title24-Asec2849-B.html
MARYLANDxhttp://www.marylandhealthconnection.gov/November 1, 2023 to January 15, 2024x 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, 2023 to January 23, 2024Has been effective since 2006https://www.mass.gov/info-details/health-care-reform-for-individualsx 18-36 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, 2023 to January 15, 2024Plans are limited to a single 185 day term in a 365 day period.https://www.michigan.gov/-/media/Project/Websites/difs/Bulletins/2018/Bulletin_2018-20-INS.pdf?rev=f9ceaaf16aa2491f8f70a410955ef2b0
MINNESOTAxhttp://mn.gov/hix/November 1, 2023 to January 15, 2024x 18-36 monthshttps://mn.gov/mmb/segip/notices/cobra-policy.jspPlans are limited to 6 months. Plans cannot be renewed but a new plan can be purchased, for a maximum of 12 months in an 18 month period. No short term health insurance company is offering plans in Minnesota at this time.https://mn.gov/commerce/insurance/health/basics/limited-duration.jsp#:~:text=Under%20Minnesota%20law%2C%20you%20can,day%20(18%20months)%20period.
MISSISSIPPINovember 1, 2023 to January 15, 2024x 12 monthshttp://www.dfa.ms.gov/dfa-offices/human-resources/explanation-of-benefits/cobra/
MISSOURINovember 1, 2023 to January 15, 2024x 18-36 monthshttps://insurance.mo.gov/consumers/smallbusiness/health.php
MONTANANovember 1, 2023 to January 15, 2024
NEBRASKANovember 1, 2023 to January 15, 2024x 6-12 monthsPlans are limited to a 1 year term and can be renewed for up to 3 years.https://doi.nebraska.gov/sites/doi.nebraska.gov/files/doc/Short-TermDurationMedicalPlanFilingReqs.pdf
NEVADAxhttps://www.nevadahealthlink.com/November 1, 2023 to January 15, 2024x 18-36 monthshttps://law.justia.com/codes/nevada/2010/title57/chapter689b/nrs689b-245.htmlPlans are limited to 185 days with no renewals.https://doi.nv.gov/Consumers/Health_and_Accident_Insurance/Short_Term_health_insurance/
NEW HAMPSHIRENovember 1, 2023 to January 15, 2024x 18-36 monthshttps://www.nh.gov/insurance/consumers/documents/nh-state-cont.pdfPlans are limited to 6 months. No short term health insurance companies are offering plans in New Hampshire at this time.https://www.nh.gov/insurance/consumers/documents/short-term-plans-list.pdf
NEW JERSEYxhttps://www.getcovered.nj.gov/November 1, 2023 to January 31, 2024Effective March 31, 2020x 18-36 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, 2023 to January 15, 2024x 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/X
NEW YORKxhttp://nystateofhealth.ny.gov/November 16, 2023 to January 31, 2024x 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.healthinsurance.org/short-term-health-insurance/new-york/
NORTH CAROLINANovember 1, 2023 to January 15, 2024x 18 months
NORTH DAKOTANovember 1, 2023 to January 15, 2024x 39 weeks-36 monthsRequirements differ depending on if it is an individual short term plan or an association short term plan. For individual plans, the duration cannot exceed 12 months.https://www.healthinsurance.org/short-term-health-insurance/north-dakota/Xhttps://www.chand.org/X
OHIONovember 1, 2023 to January 15, 2024x 12 monthsPlans are limited to 1 year and are not renewable.https://www.healthinsurance.org/short-term-health-insurance/ohio/
OKLAHOMANovember 1, 2023 to January 15, 2024x 63 days-6 months
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, 2023 to January 15, 2024x 9 monthshttps://www.insurance.pa.gov/Coverage/Documents/Health/PA Mini COBRA Update Final 03272015.pdf
*PUERTO RICOMedicaid in PR - not an ACA Marketplacehttps://medicaid.pr.gov/Plans must cover essential health benefits and must have medical loss ratio of 80%. Plans must cover all pre exesting conditions. As such, no short term health insurance companies offer plans in Rhode Island at this time.https://www.healthinsurance.org/short-term-health-insurance/rhode-island/
RHODE ISLANDxhttp://www.healthsourceri.com/November 1, 2023 to January 31, 2024Effective January 1, 2020http://www.tax.ri.gov/healthcoveragemandate/index.phpx 18 monthshttp://www.dbr.ri.gov/documents/rules/insurance/InsuranceRegulation82.pdfPlans are limited to 11 month and can be renewed up to 3 times.https://www.healthinsurance.org/short-term-health-insurance/south-carolina/Xhttps://www.doi.sc.gov/703/South-Carolina-Health-Insurance-PoolX
SOUTH CAROLINANovember 1, 2023 to January 15, 2024x 6 monthshttps://www.doi.sc.gov/DocumentCenter/View/11353/2019-State-Continuationpdf
SOUTH DAKOTANovember 1, 2023 to January 15, 2024x 12 monthshttps://dlr.sd.gov/insurance/cobra.aspx
TENNESSEENovember 1, 2023 to January 15, 2024x 3-15 monthshttps://www.tn.gov/content/dam/tn/finance/fa-benefits/documents/cobra.pdf
TEXASNovember 1, 2023 to January 15, 2024x 6/9 monthshttps://www.tdi.texas.gov/hmo/documents/enrolleecobra.pdfPlans must have a benefits cap of at least $1 million, and certain services must be covered.https://www.healthinsurance.org/short-term-health-insurance/utah/
UTAHNovember 1, 2023 to January 15, 2024x 12 monthshttps://insurance.utah.gov/consumer/health/extension-conversion-rights/extensionPlans are limited to 3 months of coverage in any 12 month period, and renewals are not allowed. As such, no short term health insurance company offers plans in Vermont at this time.https://legislature.vermont.gov/bill/status/2018/H.892
VERMONTxhttp://healthconnect.vermont.gov/November 1, 2023 to January 15, 2024Effective January 1, 2020https://info.healthconnect.vermont.gov/mandate_FAQx 18 monthshttps://humanresources.vermont.gov/benefits-wellness/cobraPlans are limited plans to 3 months, and while renewals are allowed, the total duration may not exceed 6 months.https://www.healthinsurance.org/short-term-health-insurance/virginia/
VIRGINIAXhttps://www.marketplace.virginia.gov/November 1, 2023 to January 15, 2024x 12 monthshttps://law.lis.virginia.gov/vacode/title38.2/chapter35/section38.2-3541/Plans are limited to 3 months, and renewals not permitted. As such, no short term health insurance companies offer plans in Washington at this time.https://www.healthinsurance.org/short-term-health-insurance/washington/Xhttps://www.insurance.wa.gov/washington-state-health-insurance-pool-wshipX
WASHINGTONxhttp://www.wahealthplanfinder.org/November 1, 2023 to January 15, 2024
WEST VIRGINIANovember 1, 2023 to January 15, 2024x 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=2012-08-15-145558-257Plans are limited to one year with a total time allowance, including renewals, of 18 months.https://www.healthinsurance.org/short-term-health-insurance/wisconsin/
WISCONSINNovember 1, 2023 to January 15, 2024x 18 monthshttps://oci.wi.gov/Documents/Consumers/PI-023.pdfX
WYOMINGNovember 1, 2023 to January 15, 2024x 12 monthshttps://law.justia.com/codes/wyoming/2011/title26/chapter19/section26-19-113/https://doi.wyo.gov/consumers/whipX
GUAMGuam Dep't of Public Health and Social Services - not an ACA Marketplacehttp://dphss.guam.gov/
LAST UPDATED3/202210/202212/20233/20221/20241/20241/2024

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