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Getting Health Insurance Outside of Open Enrollment

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.

The Special Enrollment Period

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:

  • Loss of health coverage in the past 60 days or in the next 60 days.
  • A new marriage.
  • A divorce that caused you to lose your health coverage.
  • Birth of a child.
  • Adoption of a child or having a foster child placed in your home.
  • A death in your household.
  • Living outside your current health plan’s coverage area (e.g., 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.
  • Released from prison or detention.
  • Suffered from a natural disaster.

Non-Government Plans

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.

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GovernmentHealthInsurance.com is an independent marketplace and is not a federal or state Marketplace website. GovernmentHealthInsurance.com does not provide quotes or sell insurance directly to consumers, is not affiliated with any exchange, and is not a licensed insurance agent or broker. Accordingly, you should not send us (via mail or email) any sensitive information, including personal health information or applications. Any such communications will not be treated as confidential and will be discarded, as, in offering this website, we are required to comply with the standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website or go to the Health Insurance Marketplace website at www.HealthCare.gov

Advertised Pricing:

There are several factors that impact your monthly premium; including, but not limited to 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, this result is subject to change.