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.
DO YOU OWE THE FEE FOR NOT HAVING COVERAGE IN 2014? YOU MAY STILL BE ABLE TO ENROLL IN 2015 COVERAGE IF:
You didn't know until after Open Enrollment ended on February 15, 2015 that the health care law required you and your household to have health coverage, or you didn’t understand how the requirement would impact you and your household
You owe the fee for not having coverage for one or more months in 2014
You aren’t already enrolled in 2015 coverage through the Health Insurance Marketplace or outside the Marketplace
If all of these apply to you, you can enroll in a 2015 plan until April 30, 2015. Select the button below to apply for coverage with this Special Enrollment Period.
Even if you get coverage through this Special Enrollment Period (SEP), you still have to pay the 2014 fee
You don’t need to have filed your 2014 taxes before enrolling with this SEP—you just have to owe the fee
If any person in a household meets the criteria for this SEP, everyone in the household can enroll with it
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.
Moving to a new residence
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 Open Enrollment period for 2016 is November 1, 2015 to January 31, 2016.