Special Enrollment is a time outside the yearly Open Enrollment Period when you can sign up for health insurance. You generally have 60 days following a Qualifying Life Event to enroll in a new health insurance plan.

Note: In response to the COVID-19 health emergency, the President signed an executive order to help more Americans enroll in health insurance. Beginning February 15, 2021 and continuing through August 15, 2021, all Marketplace-eligible consumers qualify for a Special Enrollment Period (SEP).

After August 15th, 2021, you must have a Qualifying Life Event in order to enroll in a new marketplace plan for 2021. Catch will ask questions during your application to determine if you qualify for a Special Enrollment Period.

You qualify for a Special Enrollment Period if you’ve had certain life events, including: 

Changes in household

  • Getting married, divorced, or legally separated

  • Having a baby, adopting a child, or placing a child in foster care

  • Death of a family member on your health insurance plan

Changes in primary residence

  • Moving to a new home in a new ZIP code or county

  • Moving to the U.S. from a foreign country or United States territory

  • If you're a student, moving to or from the place you attend school

  • If you're a seasonal worker, moving to or from the place you both live and work

  • Moving to or from a shelter or other transitional housing

Note: You must confirm you had qualifying health coverage for one or more days during the 60 days before your move.

Loss of insurance

  • Loss of job-based coverage

  • Loss of individual coverage

  • Losing eligibility for CHIP, Medicaid, or Medicare

  • Losing coverage through a family member

Other changes

  • Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder

  • Becoming newly eligible for Marketplace coverage because you became a U.S. citizen

  • Leaving incarceration

  • Starting or ending service as an AmeriCorps State and National, VISTA, or NCCC member

Additionally, you can enroll in Medicaid and the Children’s Health Insurance Plan (CHIP) any time of year, whether you qualify for a Special Enrollment Period or not.

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