If you just lost health insurance coverage, a Special Enrollment Period may allow you to enrol in Marketplace coverage.
Losses in health insurance that may be eligible for a Special Enrollment Period
- Position-based insurance loss: If your company stopped providing health insurance or you left a job where you had health coverage, you may be eligible (even if you went by choice or were fired).
- Loss of individual health plan: If you are no longer eligible for a student health plan or your Marketplace plan is no longer available, you may be eligible.
- Loss of Medicaid or Children’s Health Insurance Program (CHIP) eligibility: If your income changes, rendering you ineligible for Medicaid, or if your child grows out of CHIP, you may be eligible.
- Loss of Medicare eligibility: You may be eligible if you lose your premium-free Medicare Part A coverage.
Loss of health coverage through a spouse due to a divorce, legal separation, or the death of a family member: If you turn 26 and can no longer be on a parent’s plan, or if you lose health coverage through a spouse due to a divorce, legal separation, or the death of a family member, you may become eligible.
Check to see if you’re eligible for the Special Enrollment Period
To see if you qualify for a Special Enrollment Period, answer a few questions. We’ll also let you know if you’re eligible for Medicaid or CHIP, both of which you can apply for at any time.