Enroll in or change 2018 plans — only with a Special Enrollment Period

Since the 2018 Open Enrollment Period is over, you can now enroll in or change a Health Insurance Marketplace plan only if you have a life event that qualifies you for a Special Enrollment Period.

  • Answer a few questions to find out if you can enroll in or change a plan for 2018.
  • Already know you qualify? Create an account or log in to an existing one.
  • Before you apply, you can preview 2018 plans and prices based on your income.
  • If you're not eligible to apply with a Special Enrollment Period for the rest of 2018, you can apply for a 2019 health plan November 1–December 15, 2018.

Life changes that can qualify you for a Special Enrollment Period

Changes in household

You may qualify for a Special Enrollment Period if you or anyone in your household in the past 60 days:

  • Got married. Pick a plan by the last day of the month and your coverage can start the first day of the next month.
  • Had a baby, adopted a child, or placed a child for foster care. Your coverage can start the day of the event — even if you enroll in the plan up to 60 days afterward.
  • Got divorced or legally separated and lost health insurance. Note: Divorce or legal separation without losing coverage doesn’t qualify you for a Special Enrollment Period.
  • Died. You’ll be eligible for a Special Enrollment Period if someone on your Marketplace plan dies and as a result you’re no longer eligible for your current health plan.

Changes in residence

Household moves that qualify you for a Special Enrollment Period:

  • Moving to a new home in a new ZIP code or county
  • Moving to the U.S. from a foreign country or United States territory
  • If you're a student, moving to or from the place you attend school
  • If you're a seasonal worker, moving to or from the place you both live and work
  • Moving to or from a shelter or other transitional housing

Note: Moving only for medical treatment or staying somewhere for vacation doesn’t qualify you for a Special Enrollment Period.

Important: You must prove you had qualifying health coverage for one or more days during the 60 days before your move. You don't need to provide proof if you’re moving from a foreign country or United States territory.

Loss of health insurance

You may qualify for a Special Enrollment Period if you or anyone in your household lost qualifying health coverage in the past 60 days OR expects to lose coverage in the next 60 days.

Coverage losses that may qualify you for a Special Enrollment Period:

Losing job-based coverage

You may qualify for a Special Enrollment Period if you lose health coverage through your employer or the employer of a family member, including if:

  • You lose health coverage through a parent or guardian because you're no longer a dependent.
Important: Losing coverage you have as a dependent doesn't qualify you for a Special Enrollment Period if you voluntarily drop the coverage. You also don't qualify if you or your family member loses coverage because you don't pay your premium.
Losing individual health coverage for a plan or policy you bought yourself

You may qualify for a Special Enrollment Period if you lose individual health coverage, including if:

  • Your individual plan or your Marketplace plan is discontinued (no longer exists).
  • You lose eligibility for a student health plan.
  • You lose eligibility for a plan because you no longer live in the plan’s service area.
  • Your individual or group health plan coverage year is ending in the middle of the calendar year and you choose not to renew it.

Important: Losing individual coverage doesn’t qualify you for a Special Enrollment Period if you voluntarily drop coverage, if you lose coverage because you didn’t pay your premiums, or if you lose Marketplace coverage because you didn’t provide required documentation when the Marketplace asked for more information.

Losing eligibility for Medicaid or CHIP

You may qualify for a Special Enrollment Period if you lose Medicaid or the Children’s Health Insurance Program (CHIP) because:

  • You lose your eligibility. For example, you may have a change in household income that makes you ineligible for Medicaid, or you may become ineligible for pregnancy-related or medically needy Medicaid.
  • Your child ages off CHIP.
Losing eligibility for Medicare

You may qualify for a Special Enrollment Period if you become no longer eligible for premium-free Medicare Part A.

You don’t qualify for a Special Enrollment Period if:

  • You lose Medicare Part A because you didn’t pay your Medicare premium.
  • You lose Medicare Parts B, C, or D only.
Losing coverage through a family member

You may qualify for a Special Enrollment Period if you lose qualifying health coverage you had through a parent, spouse, or other family member. This might happen if:

  • You turn 26 (or the maximum dependent age allowed in your state) and can no longer be on a parent’s health plan.
  • You lose job-based health coverage through a family member’s employer because that family member loses health coverage or coverage for dependents.
  • You lose health coverage through a spouse due to a divorce or legal separation.
  • You lose health coverage due to the death of a family member.
  • You lose health coverage through a parent or guardian because you’re no longer a dependent.
Important: Losing coverage you have as a dependent doesn’t qualify you for a Special Enrollment Period if you voluntarily drop the coverage. You also don’t qualify if you or your family member loses coverage because you don’t pay your premium.

More qualifying changes

Other life circumstances that may qualify you for a Special Enrollment Period:

  • Changes that make you no longer eligible for Medicaid or the Children’s Health Insurance Program (CHIP)
  • Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
  • Becoming newly eligible for Marketplace coverage because you became a U.S. citizen
  • Leaving incarceration
  • Starting or ending service as an AmeriCorps State and National, VISTA, or NCCC member

Learn about Special Enrollment Periods for complex issues.

More answers: Getting 2018 coverage with a Special Enrollment Period

What if I’m turned down for a Special Enrollment Period but I think I qualify?

You can appeal the decision. Learn how to appeal the decision to deny you a Special Enrollment Period.

What if something outside my control prevented me from getting coverage during the Open Enrollment Period?

In a few very limited situations, you could qualify for a Special Enrollment Period. Learn about Special Enrollment Periods for complex issues.