Open Enrollment is Over – Or is it?   The federal government’s marketplace, healthcare.gov, is where millions of Americans shop for individual health coverage. The open enrollment deadline for applying for coverage through healthcare.gov was December 15th for a January 1st, 2021 effective date. BUT – a number of states have their own marketplaces with later deadlines for buying coverage directly with a health insurer or through the state-based marketplace or exchange. New York, New Jersey, and California residents