Recent life change? You may qualify for a Special Enrollment Period

Published on February 13, 2020

Now that Open Enrollment is over, you can enroll in or change Marketplace coverage only if you have a life event, like getting married, having a baby, or losing health coverage, that qualifies you for a
Special Enrollment Period.
What are the qualifying life events for Special Enrollment Period eligibility?

Does my life event make me eligible for a Special Enrollment Period?

There are 4 basic types of qualifying life events:
  • Loss of health coverage: Losing job-based coverage (whether through yourself or a family member) or eligibility for Medicaid, Medicare, or the Children’s Health Insurance Program (CHIP)
  • Household changes: Marriage, child birth or adoption, divorce, or death
  • Residence changes: Certain household moves, like moving to a new ZIP code or county
  • Other qualifying events (like income changes): Changes that make you no longer eligible for Medicaid or the Children’s Health Insurance Program (CHIP), leaving incarceration, etc.

How do I apply for 2020 coverage through a Special Enrollment Period?

  • If you qualify for a Special Enrollment Period, create an account or log into an existing one to enroll in a plan for 2020.
  • You may be asked to submit documents to confirm the life event that makes you eligible.
Not sure your life event counts as a Special Enrollment Period? Just answer a few quick questions to find out.