Open Enrollment for 2018 plans ends on December 15, 2017. In most cases, you would need to wait until the next Open Enrollment period starts on November 1, 2018 to change your health insurance plan or enroll in a new one. However, even after Open Enrollment has ended, there are some ways to still get health insurance coverage such as through a special enrollment period due to a qualifying life event.
Qualifying events for health insurance special enrollment include:
- Losing your health coverage through a life event
- Getting married
- Having or adopting a child
- Permanently moving somewhere with different health insurance options
- Aging off your parent’s health insurance plan.
- Having a change in income or household status that changes your eligibility for tax credits or cost-sharing reductions
- Your plan being involuntarily canceled by your insurance company.
- Health insurance special enrollment periods typically last for 60 days after the date of your qualifying event. During this time, you can shop for health insurance on a private or public exchange
Examples of these life events include: getting a divorce, losing your job, losing your Medicaid or CHIP eligibility, or expiring COBRA coverage
Please note: If you voluntarily quit your health plan or are terminated because you didn’t pay your premiums, you are not eligible for a special enrollment period.