Since the Open Enrollment Period for this year is over, you can only enroll in or change a Marketplace health plan if you qualify for a Special Enrollment Period. You may be eligible based on estimated household income, or if you experience any of the life events on this page.
Not sure you qualify for a Special Enrollment Period?
Answer a few quick questions before you apply to find out if you can enroll in or change a plan for 2022.
End highlighted textImportant: If you had a change more than 60 days ago but since January 1, 2020
If you qualified for a Special Enrollment Period but missed your deadline to enroll in coverage because you were impacted by the COVID-19 emergency, you may be eligible for a Special Enrollment Period.
If you or anyone in your household lost qualifying health coverage in the past 60 days (or more than 60 days ago but since January 1, 2020) OR expects to lose coverage in the next 60 days, you may qualify for this Special Enrollment Period through the application.
If you had a life event other than a loss of coverage more than 60 days ago and missed your Special Enrollment Period, contact the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325) for more information.
End highlighted textYou may qualify for a Special Enrollment Period if you or anyone in your household in the past 60 days:
Household moves that qualify you for a Special Enrollment Period:
Note: Moving only for medical treatment or staying somewhere for vacation doesn’t qualify you for a Special Enrollment Period.
Important: You must prove you had qualifying health coverage for one or more days during the 60 days before your move. You don't need to provide proof if you’re moving from a foreign country or United States territory.
You may qualify for a Special Enrollment Period if you or anyone in your household lost qualifying health coverage in the past 60 days (or more than 60 days ago but since January 1, 2020) OR expects to lose coverage in the next 60 days.
Important: If you lost coverage more than 60 days ago, but since January 1, 2020, and didn’t enroll sooner because you were impacted by the COVID-19 emergency declared by FEMA, you may still qualify for a Special Enrollment Period.
Apply to see if you qualify. You may be asked to submit documents to confirm the loss of coverage.
End highlighted textCoverage losses that may qualify you for a Special Enrollment Period:
You may qualify for a Special Enrollment Period if you lose health coverage through your employer or the employer of a family member, including if you lose health coverage through a parent or guardian because you're no longer a dependent.
You may qualify for a Special Enrollment Period if you lose individual health coverage, including if:
Important: Losing individual coverage doesn’t qualify you for a Special Enrollment Period if you lose coverage because you didn’t provide required documentation when the Marketplace asked for more information.
You may qualify for a Special Enrollment Period if you lose Medicaid or Children’s Health Insurance Program (CHIP) coverage because:
You may qualify for a Special Enrollment Period if you become no longer eligible for premium-free Medicare Part A.
You don’t qualify for a Special Enrollment Period if:
You may qualify for a Special Enrollment Period if you lose qualifying health coverage you had through a parent, spouse, or other family member. This might happen if:
Important: Voluntarily dropping coverage you have as a dependent doesn't qualify you for a Special Enrollment Period unless you also had a decrease in household income or a change in your previous coverage that made you eligible for savings on a Marketplace plan.
You may qualify for a Special Enrollment Period if you or anyone in your household newly gained access to an individual coverage HRA or a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) in the past 60 days OR expects to in the next 60 days.
Note: Your employer may refer to an individual coverage HRA by a different name, like the acronym “ICHRA.”
Generally, you’ll need to apply for and enroll in individual health insurance before your individual coverage HRA or QSEHRA starts. However, your employer may offer different options for when your individual coverage HRA or QSEHRA can start so you have more time to enroll. Contact them or check the notice you got from your employer for more information. If you’re currently enrolled in a Marketplace plan with savings, these savings may change because of the help you get through a job. Get more information on how your savings may change if you have an individual coverage HRA or QSEHRA offer.
If you qualify to enroll in Marketplace coverage through this Special Enrollment Period, call the Marketplace Call Center to complete your enrollment. You can’t do this online.
Other life circumstances that may qualify you for a Special Enrollment Period:
Learn about Special Enrollment Periods for complex issues.
Important: You may have to verify your information
When you apply, you must attest that the information you provide on the application is true, including the facts that qualify you for a Special Enrollment Period. You may be required to submit documents that confirm your eligibility to enroll based on the life event you experience.
End highlighted textYou can appeal the decision. Learn how to appeal the decision to deny you a Special Enrollment Period.
In a few very limited situations, you could qualify for a Special Enrollment Period. Learn about Special Enrollment Periods for complex issues.