In general, when open enrollment ends, you can't apply for health insurance until the next year. However, special enrollment lets you apply for health insurance during other times of the year if you have specific major life changes.
Open enrollment is the period of time when you can buy new health insurance or change your current insurance. During open enrollment, you can apply for insurance and, because of the Affordable Care Act, in most cases insurance companies must accept your application.
For plans effective on January 1, 2020, open enrollment will begin November 1 and extend through December 15, 2019.
During times outside the yearly open enrollment dates, you can apply for insurance or make changes to your existing insurance only if you have a major life change, such as the loss of a job or the birth of a child (other changes may also qualify). This is called special enrollment. You have 60 days from the life change event to apply.
The list below includes the life changes that would qualify you for special enrollment. Remember, you can only apply for special enrollment for up to 60 days after the event occurs.
- Getting married and adding a dependent to your current policy
- Having a baby or adopting a child
- Permanently moving to a new ZIP code or county where your health plan does not provide coverage
- Losing health coverage
You may also qualify for special enrollment if you lose your health insurance because:
- You lose your job
- Your work hours are reduced
- You get divorced or legally separated
- You lose coverage due to your spouse qualifying for Medicare
- The person you are covered under dies
- You get too old to be covered under your parents' plan (turning 26 years old)
- You lose eligibility for Medicaid or CHIP
- Your employer goes bankrupt under Chapter 11
For a complete list of changes that qualify for special enrollment, go to healthcare.gov.
There may also be other conditions that qualify you for special enrollment.
You can only apply for special enrollment for up to 60 days after the major life change event occurs.
If you choose to end your own insurance coverage, you won't qualify for special enrollment. You'll have to wait until the next open enrollment period to get new insurance. Also, you may not qualify for special enrollment if your prior insurance did not meet the minimum essential coverage standards.