Marketplace Enrollment Periods

I lost my job and my health coverage. Can I buy a marketplace plan now or do I have to wait for the next Open Enrollment?

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Yes you can apply now. and all state marketplaces allow a special enrollment opportunity when people lose other coverage, including  job-based coverage.

In general, you have 60 days following the loss of other job-based coverage to apply for a special enrollment opportunity through the Marketplace. In and some other states, if you have advance notice of your coverage loss, you can apply for the special enrollment opportunity up to 60 days in advance.

After you complete your application, you may be asked to send documents to confirm you qualify for the special enrollment period in your Marketplace Eligibility Notice. If you are asked to submit documentation, you will be allowed to select a plan, but will not be able to use your coverage until you confirm your eligibility and make your first premium payment.

In general, your new Marketplace coverage will take effect on the first of the month following the date you select your new plan. If you apply in advance of coverage loss, in and some other states, you can elect to have new coverage begin on the first day of the month in which the triggering event occurs (e.g.-loss of health coverage).

Navigators are available to help people through this process. You can find the program closest to you at Find Local Help.

While we have made every effort to provide accurate information in these FAQs, people should contact the health insurance Marketplace or Medicaid agency in their state for guidance on their specific circumstances.

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The independent source for health policy research, polling, and news, KFF is a nonprofit organization based in San Francisco, California.