There are a handful of special circumstances and life events that could qualify you for a Special Enrollment period. This begins 60 days before the trigger event and lasts 60 days after the trigger event date.
Very recently, in response to the COVID-19 pandemic, several states have reopened their exchanges to allow for uninsured residents to apply for health insurance.
Current open exchanges offering COVID-19 Special Enrollments:
These qualifying events require no documentation and subject to many of the same eligibility rules as a typical open enrollment!
The most common “qualifying events” for folks in other states include:
- You or a dependent lose job-based coverage
- You are no longer Medicaid eligible
- You get married or divorced
- You have a baby, or adopt
- You are turning 26 and aging off your parent's plan
- You permanently move out of state and gain access to new plans
- You gained access to an individual coverage HRA or a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) in the past 60 days or expect to in the next 60 days.
- You gain US citizenship
- You are or gain status as a Native American Indian
- Your income changes significantly, making you newly eligible (or ineligible) for subsidies
If you have a baby, adopt a child, or place 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.
For other qualifying events, plans start on the first of the month following purchase of health insurance.