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Getting health coverage outside of Open Enrollment

by Brooke Jarchow

If you missed the deadline to purchase health coverage, you may be eligible to find a plan outside of Open Enrollment depending on your situation. If you experience a Qualifying Life Event, you may qualify for a Special Enrollment Period (SEP), which means you have 60 days from the time of the life event to sign up for coverage. Below, we categorize the different Qualifying Life Events that could get you health insurance outside of Open Enrollment.

Changes in residence

  • Moving to a different ZIP code or county
  • Moving to or from a shelter home
  • Students moving to or from where they attend school
  • Seasonal workers moving to or from where they both live and work

Changes in household

  • Getting married
  • Having a baby
  • Adopting a child
  • Having a child placed with you for foster care

Loss of health coverage

  • Due to a death of someone on your Marketplace plan
  • Getting divorced or legally separated
  • Turning 26 and losing coverage through a parent’s plan
  • Losing eligibility for Medicare, Medicaid, or CHIP
  • Losing job-based coverage, individual coverage, or student plans


  • Being released from incarceration
  • Becoming a U.S. citizen


If you qualify for any of the Qualifying Life Events listed above, or if you think you might be eligible in the future, visit for more information or call (888) 322-7557 to speak with an agent who can help you get the coverage you need.

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