Get More Benefits &
Save More! Call For
More Info Today

When Is Marketplace Open Enrollment?

Marketplace open enrollment is the yearly period when people can enroll in a health insurance plan. Open Enrollment for 2020 is over, but you may still be able to enroll in a Marketplace health insurance program for 2020 if you are eligible for a Special Enrollment Period.

You are eligible if you have certain life events, such as getting married, having a baby, or losing other health coverage.

• Job-based health insurance plans may have different Open Enrollment Periods. You can check with your employer.
• You can apply and enroll in Medicaid or the Children’s Health Insurance Program (CHIP) any period of the year.

Note: The December 2018 ruling by a Texas federal court does not affect current coverage, any savings you are getting, or your ability to enroll in Marketplace coverage. You can continue to utilize your coverage and its benefits as long as you pay your premiums.

Dates and Deadlines for 2020 Health Insurance

Open Enrollment is completed. You can still obtain 2020 health insurance plan in 2 ways:

• If you are eligible for a Special Enrollment Period due to a life event like losing other coverage, getting married, or having a child.
• If you are eligible for Medicaid or the Children’s Health Insurance Program (CHIP). You can apply and enroll at any time.

See If You Can Still Obtain or Change 2020 Health Coverage

Outside the yearly Open Enrollment Period, you can obtain or change coverage only if you qualify for a Special Enrollment Period or for Medicaid or CHIP.

Life Changes that Can Qualify You for a Special Enrollment Period

Changes in Household

You may be eligible for a Special Enrollment Period if you or anyone in your household in the past 60 days:

• Got married.Select a plan by the last day of the month, and your coverage can begin the first day of the next month.
• Had a child, adopted a child, or placed a child for foster care.Your coverage can begin the day of the event — even if you enroll in the plan up to 60 days later.
• Got divorced or lawfully separated and lost health insurance.Note: Divorce or legal separation without losing coverage does not qualify you for a Special Enrollment Period.
• You will be qualified for a Special Enrollment Period if someone on your Marketplace plan dies, and as a result, you are no longer eligible for your current health plan.

Changes in Dwelling

Household moves that make you eligible for a Special Enrollment Period:

• Relocating to a new home in a new ZIP code or county
• Moving to the United States from a foreign nation or the United States territory
• If you are a student, moving to or from the place, you attend school
• If you are a seasonal employee, moving to or from the place, you both live and work
• Moving to or from a shelter or other temporary housing

Note: Moving only for medical treatment or staying somewhere for vacation does not make you eligible for a Special Enrollment Period.

Important: You must confirm you had a qualifying health plan for one or more days during the 60 days before your move. You do not require to confirm if you are moving from a foreign country or U.S. territory.

Loss of Health Insurance

You may be eligible for a Special Enrollment Period if you or anyone in your house lost qualifying health coverage in the past 60 days OR anticipate to lose coverage in the next 60 days.

Health Insurance losses that may qualify you for a Special Enrollment Period:

• Losing a job-based health insurance plan
• Losing private health coverage for a plan or policy, you bought yourself
• Losing eligibility for Medicaid or CHIP
• Losing eligibility for Medicare
• Losing coverage through a member of the family

Resources and References:

• Special Enrollment Situations
• Understanding Special Enrollment