Marketplace Plans
WHEN CAN YOU ENROLL IN THE MARKETPLACE?
Every year Open Enrollment is November 1-January 15, you may still be able to get health coverage if you qualify for a Special Enrollment Period.
Special Enrollment Periods
Outside of the annual open enrollment, you may enroll in or change your Marketplace plan if you qualify for a special enrollment period based on specific life changes and changes in your annual household income.
Life changes
Special Enrollment Period details vary based on the life change:
Changes in household
You may qualify for a Special Enrollment Period if in the past 60 days you or anyone in your household:
- Got married. Pick a plan by the last day of the month and your coverage can start the first day of the next month.
- Had a baby, adopted a child, or placed a child for foster care. Your coverage can start the day of the event — even if you enroll in the plan up to 60 days afterward.
- Got divorced or legally separated and lost health insurance. Divorce or legal separation without losing coverage doesn’t qualify you for a Special Enrollment Period.
- Died. You’ll qualify for a Special Enrollment Period if someone on your Marketplace plan dies which causes you to lose your current health plan.
Changes in residence
You may qualify for a Special Enrollment Period if you move to:
- New home in a new ZIP code or county
- The U.S. from a foreign country or United States territory
Or, move to or from:
- Place you attend school (if you’re a student)
- Place you both live and work (if you’re a seasonal worker)
- Shelter or other transitional housing
Moving only for medical treatment or staying somewhere for vacation doesn’t qualify you for a Special Enrollment Period.
You must prove you had qualifying health coverage for one or more days during the 60 days before your move.
