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What You Need to Know About the Enrollment Periods

There are two distinct enrollment periods for health insurance: the Open Enrollment Period and the Special Enrollment Period.

Understanding the difference between the two is important to knowing which plans you can qualify for and when.

Open Enrollment Period: The Open Enrollment Period is the best time to enroll in a Government Plan. These are the plans created by the Affordable Care Act. You cannot be denied acceptance to a Government Plan for preexisting medical conditions. These plans also offer subsidies or “discounts” to your premium and costs, but only if you meet certain income qualifications.

For 2021 plans, the Open Enrollment Period is from November 1, 2020 to December 15, 2020. You must enroll by the 15th of the current enrollment month for your coverage to start on the 1st of the upcoming month. For example, you need to enroll by December 15, 2020 for your coverage to start January 1st, 2021.

Learn more about the Open Enrollment Period here.

Special Enrollment Period: The Special Enrollment Period basically begins after the Open Enrollment Period ends. It is the time period outside of Open Enrollment. During this time, the only way to get a Government Plan is you have certain life changes, known as “Qualifying Life Events.”

If you miss Open Enrollment and do not have a Qualifying Life Event, you can still get coverage through a Non-Government Plan. These plans are a great and often inexpensive way to provide you with short term coverage, specifically until the next Open Enrollment Period.

Learn more about the Special Enrollment Period and Qualifying Life Events here.

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Los Angeles, CA 90017 is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, or through its designated agent, Martin Petoyan, only where licensed and appointed. License numbers are available upon request and are provided where required by law. Martin Petoyan's residence state is California, where his license number is 0H96813. QuoteLab's license information can be found at

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at or consult

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.