Since the 2021 Open Enrollment Period is over, you can now enroll in or change a Health Insurance Marketplace plan ONLY if you have a life event that qualifies you for a Special Enrollment Period.
Life Changes That Can Qualify You For a Special Enrollment Period
Important: If you had a change more than 60 days ago but since January 1, 2020
Because FEMA declared the coronavirus 2019 (or Covid-19) to be a national emergency, if you qualified for a Special Enrollment Period but missed your deadline to enroll in coverage because you were impacted by Covid-19 emergency, you may be eligible for a Special Enrollment Period.
If you or anyone in your household lost qualifying health coverage in the past 60 days (or more than 60 days ago but since January 1, 2020) OR expects to lose coverage in the next 60 days, you may qualify for this Special Enrollment Period through the application.
If you had a life event other than loss of coverage more than 60 days ago and missed your Special Enrollment Period, contact the Marketplace Call Center at 1-200-318-2596 9TTY: 1-855-889-4325) for more information.
Changes in Household
You may qualify for a Special Enrollment Period of you or anyone in your household in the past 60 days:
- 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. Note: Divorce or legal separation without losing coverage doesn’t qualify you for a Special Enrollment Period.
- Died. You’ll be eligible for a Special Enrollment Period if someone on your Marketplace plan dies and as a result you’re no longer eligible for your current health plan.
Changes in Residence
Household moves that qualify you for a Special Enrollment Period:
- Moving to a new home in a new ZIP code or county
- Moving to the U.S. from a foreign country or United States territory.
- If you’re a student, moving to or from the place you attend school.
- If you’re a seasonal worker, moving to or from the place you both live and work.
- Moving to or from a shelter or other transitional housing.
- Note: Moving only for medical treatment or staying somewhere for vacation doesn’t qualify you for a Special Enrollment Period.
Important: You must prove you had qualifying health coverage for one or more days during the 60 days before your move. You don’t need to provide proof if you’re moving from a foreign country or U.S. Territory.
Loss of Health Insurance
You may qualify for a Special Enrollment Period if you or anyone in your household lost qualifying coverage in the past 60 days ( or more than 60 days ago but since January 1, 2020) or expects to lose coverage in the next 60 days.
More Qualifying Changes
Other life circumstances that may qualify you for a Special Enrollment Period:
- Gaining membership in a federally recognized tribe or status as an Alaskan Native Claims Settlement Act (ANCSA) Corporation shareholder.
- Becoming newly eligible for Marketplace coverage because you became a U.S. citizen
- Leaving incarceration
- Starting or ending service as an AmeriCorps Sate and National, VISTA, or NCCC Member.
For more information regarding your eligibility for a Special Enrollment Period please visit Healthcare.gov or reach out to us, we would be happy to assist you – (623) 889-7600