The usual window is 60 days
Most qualifying events give you 60 days to enroll. HealthCare.gov
Special Enrollment Periods
Missed Open Enrollment? A life change may open the door.
A Special Enrollment Period lets you enroll in or change a Marketplace plan outside Open Enrollment, usually within 60 days after a qualifying life event. Timing matters, so act soon after the change.
What to review
Focus on the details that change the decision.
Events that usually qualify
Losing coverage (job-based, an individual plan, a student plan, or aging off a parent's plan at 26), moving to a new ZIP code or county, marriage, having or adopting a child, and some other household changes. You may need to send documents proving the event.
Losing Medicaid or CHIP: 90 days
If you lost Medicaid or CHIP in the past 90 days, you may qualify for a Special Enrollment Period. HealthCare.gov
A 2025 change for lower incomes
The monthly Special Enrollment Period for people with income at or below 150% of the poverty level ended on August 25, 2025. CMS
General education, not advice for your situation. Sources, checked October 2, 2026: healthcare.gov · cms.gov.
Your coverage review
Bring the basics. Leave with clearer next steps.
- Share the situation.Who needs coverage, ZIP code, timing, current coverage, and why you are reviewing.
- Name the priorities.Budget, providers, prescriptions, travel, and expected care.
- Review relevant paths.Understand tradeoffs and questions to verify before deciding.
Common questions
Know what to expect.
General education only. Exact options require an individual review.
What if my event was more than 60 days ago?
You may have to wait for Open Enrollment unless another qualifying event applies. Call to check your dates before assuming you missed it.
Do I need proof of my life event?
Often, yes. The Marketplace may ask for documents such as a coverage termination letter or proof of a move.
Can I change plans during a Special Enrollment Period?
Some events let you change plans and some only let you enroll. The rules depend on the event and your current coverage.
Ready when you are
Turn the research into a personal review.
Send the essentials or choose a time. Requesting information does not enroll you.