Special Enrollment Qualifying Events

If you do not obtain insurance during the open enrollment period, you can still buy health insurance if you have gone through a certain qualifying event. When these events occur, you eligible for a special enrollment period.  Special enrollment periods typically last for 60 days after the date of your qualifying event. If you voluntarily quit your health plan or are terminated because you didn’t pay your premiums, you are not eligible for a special enrollment period.

Events that qualify you for a special enrollment period:

  • Losing your health coverage divorce, job loss, Medicaid loss or loss of CHIP eligibility, decertification of your current plan or expiring COBRA coverage
  • Getting married
  • Having or adopting a child, or placing a child for adoption
  • Permanently moving somewhere with different health insurance options
  • Graduating and losing your college health plan
  • Experiencing an enrollment error
  • Having a change in income or household status that changes your eligibility for tax credits or cost-sharing reductions
  • Your plan or issuer substantially violating a material provision of the contract you’re enrolled under


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