Real answers for your healthcare questions
Can I get health insurance outside Open Enrollment?
Answer
Yes, if you qualify for a Special Enrollment Period or another coverage program that allows year round enrollment. Common triggers include losing qualifying coverage, moving, getting married, having a baby, or other eligible life changes.
What to Know
Medicaid and CHIP enrollment is generally available throughout the year if you qualify. Some private products can also be purchased outside Marketplace Open Enrollment, but they may not provide the same benefits or protections as ACA compliant coverage.
What to Do Next
If you need coverage now, check whether you qualify for a Special Enrollment Period before considering limited benefit alternatives. Special Enrollment Periods often have deadlines tied to the qualifying event.
Agent Perspectives
Be the first agent to share a perspective
Are you a licensed agent? Help clients with practical advice. Your name and profile appear with your answer.