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How Do I Get Coverage Outside the Open Enrollment Period?

If you missed the 2017 Open Enrollment Period-- which is November 1, 2017 through December 15, 2017 -- you can still obtain health insurance coverage in one of two ways:

1. If you or someone in your household has a Qualifying Life Event, you can still sign up for a Marketplace Plan outside of the Open Enrollment Period. If you meet any of the below criteria, you very likely have a Qualifying Life Event:

  • Loss of health coverage in the last 60 days or in the next 60 days.
  • A divorce that caused you to lose your health insurance.
  • A new marriage.
  • Birth of a child.
  • Adoption of a child or having a foster child placed in your home.
  • A death in your household.
  • Moved outside of your current health plan’s coverage area (i.e., if you moved to a new state).
  • A change in household income.
  • Became a U.S. citizen.
  • A prolonged illness that required hospitalization.
  • A temporary cognitive disability.
  • An enrollment error made by an insurer, government entity, or insurance agent.
  • Release from prison or detention.
  • Suffered from a natural disaster.
  • Enrolled or graduated from college.

2. If you missed the Open Enrollment Period for 2018 and do not have a Qualifying Life Event, you can still obtain health insurance through a Short Term Plan. Learn more about Short Term Plans here.

If, for any reason, you are unsure if you qualify for a health insurance plan, we can help! Simply enter your zip code and answer a few questions about yourself. Or call 855­-597-0385 to speak with a healthcare agent. We will find the health plans that best meet your needs and your budget!