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A Major Medical Health Insurance Plan is a type of medical insurance policy that provides benefits for a broad range of inpatient and outpatient healthcare services. Open Enrollment for 2020 runs from 11/1/19 to 12/15/19. Plans sold during Open Enrollment have an effective date of 1/1/20. If you miss the 12/15/19 enrollment deadline, you won’t be able to receive ACA-compliant coverage in 2020 unless you qualify for a Special Enrollment Period.