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Getting Health Insurance Outside of Open Enrollment

If you missed the Open Enrollment Period, there are two ways you can get coverage: 1) through the Special Enrollment Period or 2) if you are not eligible for the Special Enrollment Period, getting a Non-Government Plan.

The Special Enrollment Period

If you have a Qualifying Life Event, or certain life changes, you will be eligible for the Special Enrollment Period. This eligibility is the only way you can get a Government Plan outside of Open Enrollment.

The following are considered Qualifying Life Events:

  • Loss of health coverage in the past 60 days or in the next 60 days.
  • A new marriage.
  • A divorce that caused you to lose your health coverage.
  • Birth of a child.
  • Adoption of a child or having a foster child placed in your home.
  • A death in your household.
  • Living outside your current health plan’s coverage area (e.g., if you moved to a new state).
  • A change in household income.
  • Became a U.S. citizen.
  • A prolonged illness that required hospitalization.
  • A temporary cognitive disability.
  • An enrollment error made by an insurer, government entity, or insurance agent.
  • Released from prison or detention.
  • Suffered from a natural disaster.

Non-Government Plans

If you missed Open Enrollment and do not have a Qualifying Life Event, it is recommended that you enroll in a Non-Government Plan. Non-Government Plans, often referred to as “Private Insurance” or “Short Term Plans,” are meant to provide you with health coverage until the next Open Enrollment.

You can learn more about Non-Government Plans here.

If you are unsure if you have a Qualifying Life Event or if you can obtain a Non-Government Plan, we can help determine your eligibility. Please enter your zip code and fill-out the 1-page form.

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