Special Enrollment Periods for Complex Health Care Issues | HealthCare.gov

You can enroll in a private health plan through the Marketplace outside of open enrollment only if you qualify for a special enrollment period.

You may qualify for a special enrollment period if:

Reading: How to get health insurance mid year

  • have a , such as having a baby, getting married, moving, or losing minimum health coverage (such as coverage through your job, Medicaid, or the Children’s Health Insurance Program (CHIP)).
  • Your estimated household income is within a certain range.
  • you have one of the special situations listed below.
  • Learn more about your coverage options.

    unexpected situations

    had a serious medical condition, natural disaster, or other state or national emergency that prevented you from enrolling on time. for example:


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