After February 15, 2015, you can enroll in a 2015 insurance plan through the Health Insurance Marketplace only if you have a life event that qualifies you for a Special Enrollment Period.
Answer a few questions to find out if you qualify for a Special Enrollment Period. If you already know you do, select the button below and we’ll take you to apply or update your application.
Adopting a child or placing a child for adoption or foster care
Examples of losing coverage
Note: Losing coverage that doesn’t qualify as minimum essential coverage doesn’t qualify you for a Special Enrollment Period.
Permanently moving outside your plan’s coverage area
Did you have to pay the fee with your 2014 taxes? You still may be able to get 2015 coverage if you:
Aren’t currently enrolled in coverage through the Health Insurance Marketplace for 2015,
Paid the fee with your 2014 federal income tax return, for not having health coverage in 2014, and
Were confused or didn’t know about open enrollment dates for 2015 coverage, and need another opportunity to enroll in coverage for the remainder of 2015.
This special enrollment period will start on March 15 and end April 30, 2015. Look for more details soon!
You can apply online or by phone. Before you apply, you can use a checklist to gather everything you need before you call or log in (PDF)
You’ll enroll in different ways depending on whether you already have Marketplace insurance.
Visit our screener, enter your ZIP code, then select the bottom button reading “Start an application.”
You must report the life change that qualifies you for a Special Enrollment Period on your Marketplace application and then enroll in your new plan:
You can contact the Marketplace Call Center to apply by phone. Be sure to tell the representative you think you qualify for a Special Enrollment Period. They will verify your eligibility.
You can appeal the decision. Learn how to appeal the decision to deny you a Special Enrollment Period.
In a few very limited situations, you could qualify for a Special Enrollment Period. Learn about Special Enrollment Periods for complex issues.
The dates for Open Enrollment for 2016 coverage will be available soon.
In the meantime, you can sign up for Marketplace emails to get timely reminders and information to help you enroll next year.