How Do I Get Coverage Outside the Open Enrollment Period?
If you missed the 2016 Open Enrollment Period-- which is November 1, 2016 through January 31, 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 2017 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!