When can I sign up for health insurance?

The marketplace reopened on November 1st. You have until December 15, 2016 to enroll for coverage that begins on January 1, 2017. The last day to enroll in or change a 2017 health plan is January 31, 2017. After this date, you can enroll or change plans only if you qualify for a Special Enrollment Period.

Certain changes in your life, called “qualifying life events,” might allow you to sign up for health insurance through the marketplace outside of the normal open enrollment period.

Qualifying life events could include:

  • Getting married
  • Having a baby or adopting a child
  • Moving outside of your coverage area
  • A loss of coverage (like when you graduate, turn 26 and lose your parent’s coverage, change jobs, go through a divorce, or have a death in the family)
  • Certain changes to your income
  • A change in your immigration status
  • Experiencing a Marketplace error, an issue with your Medicaid qualification, or other complicated cases

If you think you might qualify for a special enrollment period, log into your state’s marketplace (or create an account if you’re new) as soon as possible after experiencing one of these events, and report a life change. In most cases, you have 60 days from the event to sign up for a new plan or change your current plan.

If you qualify for your state’s free health insurance program (called Medicaid in some states), you can sign up at any time.

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