Outside of open enrollment, 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.
The most common qualifying events 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 or into the country and your previous plan (from your original area) is no longer available (Please note that if you've moved into the U.S., you don't need to provide proof of previous health coverage)
- 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 the purchase of health insurance.