Yes, you may be able to enroll outside Open Enrollment if you qualify for a Special Enrollment Period due to a life event like losing health coverage, moving, getting married, having a baby, or adopting a child. You can also qualify if you lost qualifying coverage in the past 60 days or expect to lose coverage in the next 60 days, and in some cases losing Medicaid or CHIP can qualify you for a Special Enrollment Period.

A Special Enrollment Period is a time outside the yearly Open Enrollment Period when you can sign up for health insurance if you have a qualifying life event, such as losing health coverage, moving, getting married, having a baby, or adopting a child. SEPs are designed to allow you to get coverage when a major change affects your eligibility or insurance situation.

Yes, losing Medicaid or the Children’s Health Insurance Program (CHIP) may qualify you for a Special Enrollment Period. HealthCare.gov notes you may qualify if you lost Medicaid or CHIP coverage in the past 90 days, which can allow you to enroll in a Marketplace plan outside of Open Enrollment.

You may qualify for a premium tax credit if you meet eligibility requirements based on your income. HealthCare.gov explains that in all states, people with income between 100% and 400% of the federal poverty level qualify for the premium tax credit that lowers monthly premiums, and the Marketplace will determine your eligibility when you apply.

If your income, household size, address, or health coverage offers change, you should update your Marketplace application as soon as possible because these changes may affect the coverage and savings you’re eligible for. Reporting changes helps you avoid using more premium tax credit than you qualify for and may also help you get additional savings if your income goes down.

You have two options. To report a change, log in to your HealthCare.gov account, open your application, and select “Report a Life Change.” You’ll then update your information and receive new eligibility results that explain your options to change plans or savings amounts. You can also do this on our easy to use site (Click Here) even if you originally enrolled on Healthcare.gov.

If you used advance premium tax credits during the year, you must file a federal tax return and reconcile the credit, which compares what you used in advance to what you actually qualified for based on final income. If you used too much, you may have to repay the difference; if you used too little, you can claim the difference on your taxes.

When you qualify for a Special Enrollment Period, HealthCare.gov may ask you to submit documents to confirm you qualify, and you must submit them before you can start using your coverage. This verification helps confirm the life event that created your SEP eligibility. If you use our agency to enroll, we can help you submit these documents.

Yes, you can renew, change, update, or cancel a Marketplace plan. You can end your plan at any time, but if you cancel and want to enroll again later, you may need to wait until Open Enrollment unless you qualify for a Special Enrollment Period.

If you don’t qualify for a premium tax credit because your income is too high, you can still apply for and buy a Marketplace plan. The Marketplace can still be used as a way to shop for and enroll in coverage even without financial assistance.