Lost health coverage
Job-based coverage ending or another loss of qualifying coverage may create an enrollment opportunity.
2027 Special Enrollment
Lost coverage or had a life change? Check your enrollment window.
You may be able to enroll in or change Marketplace coverage outside Open Enrollment after certain qualifying life events. The event, timing and documentation can matter.
Quick answer
Start with what changed—and when.
HealthCare.gov identifies events such as losing qualifying coverage, marriage, having a baby, and certain moves as situations that may create a Special Enrollment Period. Medicaid and CHIP enrollment can be available year-round.
Common situations worth checking
Moved
Certain changes in residence can qualify, but Marketplace rules may require prior coverage or other conditions.
Marriage or household change
Marriage, birth, adoption and other household changes can affect enrollment timing and coverage options.
Other circumstances
Marketplace-recognized circumstances can also qualify. Use the official application for the final determination.
What to prepare before you apply
Know the date coverage ended or the qualifying event occurred.
The Marketplace may request evidence related to your event or prior coverage.
Current household and expected annual income information can affect eligibility and savings.
See the 2027 documentation guide →