You need to have experienced a qualifying life event within the last 60 days or in the next 60 days in order to qualify for Special Enrollment.
When completing the Healthcare.gov application, you’ll want to enter the date your qualifying event occurred in the “Additional Information” section towards the end of the application.
Healthcare.gov asks a series of questions including
1) Did anyone of these people lose qualifying health coverage in the last 60 days?
2) Will any of these people lose qualifying health coverage in the next 60 days?
If your qualifying event already occurred, select your name and enter the date your previous coverage ended under Question 1.
If your qualifying event is happening in the next 60 days, you’ll want to answer Question 2 and enter the date your coverage will end.
If you are currently applying for a new plan and your previous coverage ended over 60 days ago, then unfortunately you will have to wait until the next Open Enrollment period to apply for a major medical plan. However, you can still enroll in an accident, dental, or vision plan!