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Getting Coverage Outside of the Open Enrollment Period

If you did not sign up for an Obamacare Plan during the Open Enrollment Period (November 1, 2016 to January 31, 2017), you can still get coverage during the “Special Enrollment Period.”

The Special Enrollment Period is any date that falls outside of Open Enrollment. However, you or someone in your household must have what is known as a “Qualifying Life Event” to be eligible to participate in the Special Enrollment Period.

A Qualifying Life Event enables you to get any one of the five Obamacare Plans. Subsidies, or discounted rates, are available if you meet certain criteria.

What is a Qualifying Life Event?

The most common Qualifying Life Events are listed below. You are very likely eligible if you:

  • Lost health coverage in the last 60 days or expect to lose it within the next 60 days
  • Got a divorce and lost health insurance.
  • Got married.
  • Gave birth.
  • Adopted a child or had a foster child placed in your home.
  • Had a death in your household.
  • No longer live in your current health plan’s coverage area (e.g. moved to a new state).
  • Had a change in household income.
  • Became a U.S. citizen.

Other Qualifying Life Events include:

  • A prolonged illness that required hospitalization.
  • A temporary cognitive disability.
  • An enrollment error made by an insurer, government entity, or insurance agent..
  • Being released from prison or detention.
  • A natural disaster.

What is a Qualifying Life Event?

If you missed Open Enrollment and do not have a Qualifying Life Event, you can still get covered through a Short Term Plan. Though they provide medical insurance, Short Term Plans are different than Obamacare Plans. Learn more about Short Term Plans here

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