Colorado’s procedure varies from other states in a number of remarkable ways: Two carriers (Kaiser and Denver Health) have agreed to honor accumulated out-of-pocket costs for individuals moving from Friday Health Plans. An August 1 effective date for new coverage is available for people having difficulties accessing care with their Friday Health Plans coverage. (Enrollments must be completed by July 31 to utilize that option.)
Friday Health Plans, which provides insurance coverage in five states, is winding down its business operations. Countless enrollees need to choose new plans in the coming weeks to avoid becoming uninsured.
Friday Health Insurance of Georgia has been placed into receivership, and its health policies terminate on July 31, 2025. Friday Health Insurance Plan of Oklahoma, Friday Health Plans of North Carolina, Friday Health Insurance of Nevada, and Friday Health Insurance of Colorado have also been placed into receivership, with coverage ending on August 31, 2025. Enrollees will need to continue paying their Friday Health Plans premiums through those dates to keep coverage until the plans terminate at the end of July or August, depending on the state.
Policyholders in these states will need to pick new health insurance plans if they want to prevent coverage gaps for the remainder of 2025.
Learn more about what to do when your insurance provider stops offering coverage.
What is the deadline for Friday Health Plans policyholders to select new coverage in Georgia?
If you have Friday Health Plans coverage in Georgia, your policy’s coverage will end on July 31, 2025. A special enrollment period for current enrollees began on June 1 and continues through September 29.
To avoid a gap in insurance coverage, you need to pick a new plan by July 31. That will allow your new plan to take effect without a gap in coverage on August 1. If you wait until August or September to enroll, you’ll go a month or two without insurance.
How will Friday Health Plans coverage discontinuation impact consumers in Oklahoma and North Carolina?
If you have Friday Health Plans coverage in Oklahoma or North Carolina, your plan will end on August 31, 2025. A special enrollment period started on July 2 and continues through October 30. To avoid a gap in coverage, you need to pick a new plan by August 31.
(The special enrollment period due to loss of coverage runs for 60 days before and after the coverage termination date, which is why the windows do not align exactly with the start and end of the calendar months.)
Automatic re-enrollment via the federal Marketplace (the exchange used in Georgia, Oklahoma, and North Carolina) is unavailable for mid-year plan terminations. So it’s important for enrollees to select their own replacement coverage to avoid becoming uninsured.
To be eligible for subsidies, you must purchase your new plan through your state’s Marketplace/exchange. (Subsidized on-exchange enrollment and plan changes can also be made via an enhanced direct enrollment entity.) If you’re certain you aren’t interested in obtaining subsidies, you can purchase new coverage directly from an insurer.
Is there a special enrollment period for Friday Health Plans policyholders in Colorado and Nevada?
Yes. If you have coverage with Friday Health Plans in Colorado, you will be able to obtain replacement Marketplace coverage during a special enrollment period that began on July 17 and continues through October 31. If you have Friday Health Plans coverage in Nevada, your special enrollment period began on July 25 and continues through October 31.
In both states, new plans must be selected by August 31 to avoid a gap in coverage.
What will happen to Friday Health Plans customers who have already paid out-of-pocket costs this year?
In four of the five states, it is unlikely that your deductible and other out-of-pocket spending will transfer to new plans that take effect mid-year. People who have already paid out-of-pocket costs in 2025 under Friday Health Plans in Georgia, Oklahoma, North Carolina, and Nevada will likely find they are starting over at $0 in out-of-pocket spending under their new plans.
However, Colorado is an exception: As noted above, two carriers, Kaiser and Denver Health, have agreed to honor accumulated out-of-pocket costs for individuals transferring from Friday Health Plans.