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.

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

Note: 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.

Did this answer your question?