When can I buy insurance?
You can still buy health insurance if you have a life-changing event. Certain events, including losing job-based coverage, moving, getting married, and having a baby all make you eligible for a special enrollment period. Otherwise, almost all can buy health insurance during the Open Enrollment period, which begins Nov. 1, 2021.
When you can sign up
Persons who experience a Qualifying Life Change Event, during or outside of the Open Enrollment Period, have a 60-day window to buy or change plans. This is known as a Special Enrollment Period.
If you miss your Special Enrollment Period window, you may have to wait until the next Open Enrollment Period to apply.
You can enroll in Medicaid or the Children’s Health Insurance Program (CHIP) any time of year, whether you qualify for a Special Enrollment Period or not.
Life change events include but are not limited to
Family additions or changes
Loss of health insurance coverage
Move or change in permanent residence
Changes to income (for current enrollees only)
Proof of your Qualifying Life Change Event
Special Enrollment for members of federally-recognized tribes
Report changes in your household
Report changes in your household size, income, or address within 30 days of the change. We will let you know if you qualify for a Special Enrollment Period as soon as you submit your application.