Skip to main content

Do I qualify for a Special Enrollment Period?

You don’t always need to wait for open enrollment to sign up for health insurance. Read on to learn more.

Fill out the form below and a member of our team will be in touch soon!

There are two types of enrollment for health insurance: Open Enrollment and Special Enrollment Period. Here’s an explanation of each.

What is Open Enrollment?

Open Enrollment is the time when you can enroll in a health insurance plan. For 2020 coverage, Open Enrollment begins Nov. 1, 2019, and runs through Dec. 15, 2019. After enrolling, your health coverage will take effect on Jan. 1, 2020.

What happens if I miss Open Enrollment?

If you’re looking for health coverage and Open Enrollment is closed, you’ll have to wait for the next Open Enrollment period. However, people who have had certain life changes may be eligible for health coverage through a Special Enrollment Period. 

Those who have had a Qualifying Life Event (QLE) can enroll for health insurance through a Special Enrollment Period before or after open enrollment. See if you qualify.

What is a Special Enrollment Period?

To enroll in a health insurance plan during a Special Enrollment Period, you must have had a QLE — and you must document it within 30 days. You have 60 days from the qualifying event to enroll, so be sure to move quickly.

If you’re not sure if you qualify, call us at 800-223-1282. We can help.

What are Qualifying Life Events?

If you’ve had any of these Qualifying Life Events in the past 60 days, you can enroll during a Special Enrollment Period:

  • Marriage, having a baby, adopting a child, adding a dependent due to foster care placement or court order, permanent move with loss of minimum essential coverage, gaining citizenship, leaving incarceration
  • Losing job-based coverage
  • Losing coverage due to divorce, the end of an individual policy plan year in 2017, COBRA expiration, aging off a parent's plan, losing eligibility for Medicaid or CHIP, change in household size
  • If you’re already enrolled in Marketplace coverage, having a change in income or household status that affects your eligibility for premium tax credits

Find the right health insurance plan for you and your family

Explore our plans