I missed the open enrollment for health insurance through the Marketplace, now what? Individuals and families who missed the open enrollment generally need to wait for the next open enrollment period.
Since this means you will need to wait for over 10 months or so, it doesn’t sound good at all. However, there are ways you can work around this.
To get enroll in government-subsidized health insurance even if you miss the open enrollment, you must qualify for the special enrollment period or shortly known as the SEP. This is the only way you can get outside of the November 1 – December 15 open enrollment.
There are four reasons to qualify for the SEP and each is a life event. These reasons can be as follows.
- Having a child/adopting a child/placing a child in foster care
- Divorce or legal separation
If any of the events occurred and you’ve lost insurance or couldn’t get health coverage through the Marketplace you generally qualify for the SEP. You can also be qualified if you lose your job and lose health coverage as a result of that.
Read this article to learn more about the special enrollment period.