• Affordable Care Ave Health Insurance Marketplace
    Health Insurance Marketplace

Do I qualify for the Special Enrollment Period?

The Special Enrollment Period is a time outside the Open Enrollment Period, during which you and your family have a right to sign up for health coverage. In the Marketplace, you generally qualify for a Special Enrollment Period of 60 days, following certain life events such as:


Change in Family Status

  • Marriage
  • Divorce
  • Having a baby
  • Adopting a child
  • Placing a child up for adoption or foster care


Loss of Health Coverage Due to:

  • Moving outside your insurer’s coverage area
  • Losing job-based coverage
  • Divorce
  • End of an individual policy plan for 2015/2016
  • COBRA expiration
  • Aging off of a parent’s plan
  • Losing eligibility for Medicaid or CHIP
  • Similar circumstances (IMPORTANT: Voluntarily ending coverage does not qualify you for a Special Enrollment Period. Neither does losing coverage that does not qualify as minimum essential coverage.)

Changes in Eligibility Status

  • Gaining citizenship
  • Leaving incarceration
  • Gaining Status as a member of an Indian tribe (members of recognized Indian tribes can sign up for or change plans once per month throughout the year)

Already Enrolled in Marketplace Coverage?

Experiencing a change in income or household status that affects eligibility for premium tax credits or cost-sharing reductions could qualify you for the Special Enrollment Period.


How do I find out more?

To enroll for health insurance, or for the most up-to-date information on the Affordable Care Act, PHN’s Certified Application Counselors (CACs) are here to help. CACs are trained in the enrollment process to educate and assist individuals with navigating the Health Insurance Marketplace.

To speak with one of PHN's Certified Application Counselors, call, toll free, 1-855-456-5685.

Please visit PHN's Health Insurance Marketplace Open Enrollment for upcoming dates.


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