Get Marketplace health coverage outside Open Enrollment only with a Special Enrollment Period | HealthCare.gov

October 15, 2022

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Because this year’s open enrollment period has ended, you can only enroll in or change a health plan in the Marketplace if you qualify for a special enrollment period. you may qualify based on estimated household income, or if you experience any of the life events on this page.

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Answer a few questions to find out if you can join or change a plan for 2022.
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Before you apply, you can preview 2022 plans and pricing based on your income.
yes no If you qualify for a special enrollment period, you can apply for a 2023 health plan from November 1, 2022 to January 15, 2023.

life changes that may qualify you for a special enrollment period

changes in the home

You may qualify for a special enrollment period if in the past 60 days you or someone in your household:

Reading: How can i get health insurance after open enrollment

got married. choose a plan before the last day of the month and your coverage can start the first day of the next month.
had a baby , adopted a child, or placed a child in foster care. Your coverage may begin the day of the event, even if you enroll in the plan up to 60 days later.
divorced or legally separated and lost health insurance. note: Divorce or legal separation without losing coverage does not qualify you for a special enrollment period.
died. You will qualify for a special enrollment period if someone in your Marketplace plan dies, causing you to lose your current health plan.

changes of residence

You may qualify for a special enrollment period if you move to:

new house in a new zip code or county
us. uu. of a foreign country or territory of the United States

or move to or from:

where you attend school (if you are a student)
where you live and work (if you are a temporary worker)
shelter or other transitional housing

Moving just for medical treatment or staying somewhere on vacation does not qualify you for a special enrollment period.

You must show that you had qualifying health coverage for one or more days during the 60 days before you moved. You do not need to provide proof if you are moving from a foreign country or US territory.

loss of health insurance

You may qualify for a special enrollment period if you or someone in your household lost qualifying health coverage in the last 60 days (or more than 60 days ago but since January 1, 2020) or expect to lose coverage in the next 60 days.

You may qualify for a special enrollment period if you missed:

an offer from the employer to help with the cost of coverage

You may qualify for a special enrollment period if you (or someone in your household) were offered individual hra coverage or a qualified small employer health reimbursement arrangement (qsehra) in the last 60 days or wait within the next 60 days.

Note: Your employer may refer to an individual coverage HRA by a different name, such as the acronym “ichra”.

If you qualify to enroll in Marketplace coverage through this special enrollment period, please contact the Marketplace call center to complete your enrollment. you can’t do this online.

more rating changes

Other situations that may qualify you for a special enrollment period:

gain membership in a federally recognized tribe or status as a shareholder in the corporation of alaska native claims settlement law (ancsa)
become a member of the states United. citizen
release from incarceration
begin or end service as a state and national member of americorps, vista, or nccc

Learn about special enrollment periods for complex issues.