Enrollment Eligibility

When Can You Purchase a Health Plan?

You can buy individual health insurance or family health plans during two key health plan enrollment periods:

Open Enrollment: This is a designated time each year when anyone can purchase individual or family health insurance. It typically runs from November 1 to January 15.

Special Enrollment Period: This period allows you to acquire a new health plan or modify your existing coverage outside of the open enrollment dates. You can take advantage of this opportunity if you experience what’s known as a qualifying life event.

There are five types of qualifying life events that can significantly affect your health plan enrollment and overall health coverage :

**Loss of Health Coverage** 60 Day Window

This includes the involuntary loss of health insurance, which can occur due to job loss or changes in eligibility. It also applies to individuals who turn 26 and lose coverage under their parents' plan, as well as those who lose public insurance.

**Household Changes** 60 Day Window

Events like marriage, divorce, birth, adoption, or death qualify as life events that can impact your options for individual health insurance coverage.

**Change of Address** 60 Day Window

If you move, you might lose your current health coverage or gain access to new plans. Additionally, you must prove that you had qualifying health coverage for at least one day within the 60 days prior to your move.

**Other Less Common Changes** 60 Day Window

Certain events, such as becoming a U.S. citizen or being released from prison, can trigger special enrollment opportunities. It's advisable to check your state’s health insurance marketplace for a full list of qualifying events.

**Important Information for Special Enrollment:**

Your special enrollment period lasts 60 days from the date of the qualifying life event.

You must enroll in or change your individual health insurance plan within that 60-day window.

Proof of the qualifying event is required. We can assist you in determining what documentation you need.