For most people, the time to enroll in a 2016 health plan has passed. But you may still be able to enroll in health insurance for the rest of 2016 two ways: with a Special Enrollment Period or through Medicaid or the Children’s Health Insurance Program (CHIP).

Two ways to get 2016 health insurance

With a Special Enrollment Period

• If you experience certain types of life changes — like losing health coverage, getting married or having a baby — you may qualify for a Special Enrollment Period to enroll in a Marketplace plan for the rest of 2016.
  • See if you qualify. Just answer a few questions.
  • Start an application. If you already know you qualify, visit the screener landing page and select the third button.
• Learn about the life events that may qualify you for a Special Enrollment Period..

Through Medicaid or the Children’s Health Insurance Program (CHIP)

• You can apply for free or low-cost coverage through Medicaid and CHIP any time, all year. If you qualify, you can enroll immediately.
• Learn how to apply for Medicaid and CHIP.

Exception: Indian tribes and Alaska natives

• Members of federally recognized tribes and Alaska Native shareholders can enroll in Marketplace insurance any time of year. They can change plans as often as once a month.
• Learn more about enrollment options for members of federally recognized tribes and Alaska Native shareholders.

In a few rare instances, you may be able to buy a plan outside Open Enrollment without a Special Enrollment period. Learn more.