If you missed the Open Enrollment Period, there are two ways you can get coverage: 1) through the Special Enrollment Period or 2) if you are not eligible for the Special Enrollment Period, getting a Non-Government Plan.
If you have a Qualifying Life Event, or certain life changes, you will be eligible for the Special Enrollment Period. This eligibility is the only way you can get a Government Plan outside of Open Enrollment.
The following are considered Qualifying Life Events:
If you missed Open Enrollment and do not have a Qualifying Life Event, it is recommended that you enroll in a Non-Government Plan. Non-Government Plans, often referred to as “Private Insurance” or “Short Term Plans,” are meant to provide you with health coverage until the next Open Enrollment.
You can learn more about Non-Government Plans here.
If you are unsure if you have a Qualifying Life Event or if you can obtain a Non-Government Plan, we can help determine your eligibility. Please enter your zip code and fill-out the 1-page form. You can also call (844) 992-2717 to speak to an agent.