In many cases, Marketplace enrollment happens during Open Enrollment. However, certain life events may qualify someone for a Special Enrollment Period, allowing them to enroll or change coverage outside the regular window.

Events that may qualify

Depending on the circumstances and current rules, qualifying events can include losing qualifying health coverage, moving to a new area with different plan options, changes in household size, or certain changes in eligibility status.

Timing matters

Special Enrollment Periods often have limited time windows. The applicable deadline and effective date depend on the event and the rules that apply to your situation.

Prepare documentation

You may be asked to provide documents confirming the event. Follow the instructions in your Marketplace eligibility notice and submit documents by the stated deadline.

Confirm eligibility before choosing a plan

Not every change automatically qualifies. Check your specific circumstances with HealthCare.gov or your state Marketplace.

Final thoughts

If you expect to lose coverage, begin researching options early and keep copies of notices from your current insurer or employer.

Important: This article is general information. Current qualifying events, deadlines, and documentation rules should be verified with the official Marketplace.