Getting married, having a baby, adopting a child, or a death in the family that causes a loss of coverage.
The most common way to get a comprehensive, ACA-compliant plan after Open Enrollment is through a . This is triggered by a Qualifying Life Event (QLE) —a major change in your life that impacts your insurance needs. Common Qualifying Events:
If you missed the January 15th deadline for health insurance, you might feel like you've missed the boat. But while standard Open Enrollment has a strict window, the healthcare system has several "back doors" that can get you covered any time of year.
Gaining U.S. citizenship, leaving incarceration, or changes in income that affect your subsidy eligibility.
This includes losing job-based insurance (even if you quit or were fired), turning 26 and "aging out" of a parent's plan, or losing Medicaid/CHIP eligibility.
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