Know When To Enroll
Depending on your plan and your situation, there are certain times of the year set by the federal government when you can enroll for health coverage. Find plans that fit you and be ready when it's time to enroll.
Every year there is a time when anyone can enroll for health coverage. The Open Enrollment Period (OEP) typically begins November 1 and ends January 15. When you shop and enroll for coverage during this time period, depending on the enrollment date, coverage will begin the following year on either January 1, January 15 or February 1. If you need coverage now, you may enroll if you have a qualifying life event. We call this enrolling during a Special Enrollment Period (SEP).
Anytime outside of the Open Enrollment Period (typically November 1-December 15) is termed the Special Enrollment Period by the federal government. These enrollment periods are the same no matter the insurance company. There are special situations that allow you to enroll outside of the Open Enrollment Period and select coverage for the current year or upcoming year. These are qualifying life events such as:
- The birth or adoption of a baby
- Marriage or divorce
- Relocation to a new area
- Loss of coverage through work
- Loss of Medicaid, CHIP or Medicare eligibility
- And others
Depending on your situation, you may have a 120-day window to enroll, or 60 days before the event to 60 days after.
Need help determining if you qualify?
Call us at 800-390-9355 (TTY 711) 9 am-6 pm, Monday-Friday.
If you qualify for Medicare coverage, your enrollment dates will be different. Find details on our Medicare Enrollment Page.