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Special Enrollment Periods

If you miss open enrollment and have certain life changes, you may qualify for a special enrollment period to start your coverage sooner. 

Life changes that can qualify you for a special enrollment period:

  • Having a baby, adopting a child, or placing a child for foster care
  • Getting married
  • Losing health coverage, including a job-based plan; Medicaid, CHIP or Medicare; or a student health plan
  • Losing coverage through a family member's death, divorce or legal separation, or change in dependent status. 

If you think you qualify for a special enrollment period, start a Marketplace application or log in to an existing one. You'll find out if you qualify, and either way we'll tell you when your coverage starts. When you apply you'll also find out if you qualify for coverage through Medicaid or the Children's Health Insurance Program (CHIP). If you do, coverage can start the day you apply or earlier. 

Please note that you may need to submit documents to prove you qualify.