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Special enrollment opportunities

Special Enrollment Periods

Outside of
, you can only enroll in or change Marketplace plans if you qualify for a
based on certain life changes or your estimated household income. Check if you qualify.

Life changes

Special Enrollment Period details vary based on the life change:

Changes in household

You may qualify for a Special Enrollment Period if in the past 60 days you or anyone in your household:
  • 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 โ€” even if you enroll in the plan up to 60 days afterward.
  • Got divorced or legally separated and lost health insurance. Divorce or legal separation without losing coverage doesnโ€™t qualify you for a Special Enrollment Period.
  • Died. Youโ€™ll qualify for a Special Enrollment Period if someone on your Marketplace plan dies which causes you to lose your current health plan.

Changes in residence

You may qualify for a Special Enrollment Period if you move to:
  • New home in a new ZIP code or county
  • The U.S. from a foreign country or United States territory
Or, move to or from:
  • Place you attend school (if you're a student)
  • Place you both live and work (if you're a seasonal worker)
  • Shelter or other transitional housing
Moving only for medical treatment or staying somewhere for vacation doesnโ€™t qualify you for a Special Enrollment Period.
You must prove you had
for one or more days during the 60 days before your move. You don't need to provide proof if youโ€™re moving from a foreign country or United States territory.

Loss of health coverage

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.
Select the type of coverage you lost for Special Enrollment Period details:

An employer offer to help with the cost of coverage

You may qualify for a Special Enrollment Period if you (or anyone in your household) were
or a
in the past 60 days OR expects to in the next 60 days.
Your employer may refer to an individual coverage HRA by a different name, like โ€œICHRA." Get details about offers for individual coverage HRAs and Qualified Small Employer HRAs.
If you qualify to enroll in Marketplace coverage through this Special Enrollment Period, contact the Marketplace Call Center to complete your enrollment. You canโ€™t do this online.

More qualifying changes

Other situations that may qualify you for a Special Enrollment Period:
  • Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
  • Becoming a U.S. citizen
  • Leaving incarceration
  • Starting or ending service as an AmeriCorps State and National, VISTA, or NCCC member
Notice:
You may have to submit documents
When you apply, you must attest that the information you provide on the application is true, including the facts that qualify you for a Special Enrollment Period. You may have to submit documents that confirm your life event.

More answers

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