Getting health coverage outside Open Enrollment

Still need 2015 coverage?

The Open Enrollment period for 2015 health coverage is over.

For most people, the last day to enroll in a 2015 Marketplace plan was February 15, 2015. But in some cases you may still be able to get coverage this year.


  • 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

  • If you have certain life changes – like having a baby, getting married, or losing health coverage—you may qualify for a Special Enrollment Period. If you do, you can enroll in a Marketplace plan outside the annual Open Enrollment period. Learn about Special Enrollment Periods.
  • You may be able to enroll in coverage through Medicaid and the Children’s Health Insurance Program (CHIP). There’s no limited enrollment period for these programs, which provide free or low-cost health coverage to millions of Americans. You can apply any time. If you qualify you can enroll immediately, any time of year. Learn how to apply for Medicaid and CHIP.

Small businesses can apply for SHOP coverage for their employees any time, all year.

Members of federally recognized tribes and Alaska Native shareholders can enroll in Marketplace coverage any time of year. There’s no limited enrollment period for members of these groups, and they can change plans as often as once a month.

If none of these options works for you, you can enroll in 2016 health coverage during the next Open Enrollment period. The Open Enrollment period for 2016 is November 1, 2015 to January 31, 2016.

Remember: If you don’t have qualifying health coverage in 2015, you must either pay a fee or have a health coverage exemption.

The fee is higher in 2015 than it was in 2014.