Getting health coverage outside Open Enrollment

Getting 2015 coverage with a Special Enrollment Period

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.

See if you qualify 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.



Please note:

  • 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

Life events that may qualify you for a Special Enrollment Period

  • Getting married
  • Having a baby
  • Adopting a child or placing a child for adoption or foster care

    Losing other health coverage

    Examples of losing coverage

    • Losing job-based coverage for any reason, including resigning, getting laid off, or getting fired
    • Losing coverage through a divorce
    • COBRA coverage ending (but not cancelling it yourself before it expires)
    • Aging off a parent’s plan when you turn 26
    • Losing eligibility for Medicaid or the Children’s Health Insurance Program (CHIP)

    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

  • Gaining citizenship or lawful presence in the U.S.
  • Gaining or continuing status as a member of an Indian tribe or an Alaska Native shareholder. Members of federally recognized Indian tribes and Alaska native shareholders can sign up for or change plans once per month throughout the year.
  • Leaving incarceration
  • For people already enrolled in Marketplace coverage: Having a change in income or household status that affects eligibility for premium tax credits or cost-sharing reductions

Answer a few questions to find out if you qualify for a Special Enrollment Period.

If you qualify for a Special Enrollment Period

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)

To enroll with a Special Enrollment Period online

You’ll enroll in different ways depending on whether you already have Marketplace insurance.

If you don’t have Marketplace coverage

Visit our screener, enter your ZIP code, then select the bottom button reading “Start an application.”

If you already have Marketplace coverage

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:

Need to upload documents to report your change? Learn how to upload documents.

To enroll with a Special Enrollment Period by phone

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.

More Answers: Special Enrollment Periods