Since the 2019 Open Enrollment Period is over, you can now enroll in or change a Health Insurance Marketplace plan only if you have a life event that qualifies you for a Special Enrollment Period.
A change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a Special Enrollment Period, allowing you to enroll in health insurance outside the yearly Open Enrollment Period.
There are 4 basic types of qualifying life events. (The following are examples, not a full list.)
Loss of health coverage
Changes in household
Changes in residence
Other qualifying events
If you didn’t buy your health insurance during Open Enrollment and you’re looking to buy now, you’ve probably been asked the following question, “What is your Qualifying Life Event?”
A Qualifying Life Event is a change in your situation that allows you to buy health insurance outside of Open Enrollment. Typically Open Enrollment in during the Fall, for a set number of weeks, for coverage to start the following first of January. Your Qualifying Life Event also allows you to make changes to your current coverage.