What Happens if I Missed Open Enrollment? 

Open Enrollment is a period in which anyone can enroll in an Affordable Care Act compatible plan. For various Reasons, some people are unable to enroll during this time and find themselves needing insurance. If this is you, Don't Worry! There are still several ways in which you can purchase health insurance.

Qualify for a Special Enrollment Period. 

Many people who are in need of health insurance qualify for what the ACA calls a Special Enrollment Period. This is a period in which, due to a life change, you qualify for a period of time to enroll in an ACA plan outside of the general open enrollment period. 


Some examples of reasons that someone may qualify for a Special Enrollment Period are:

  • Getting Married
  • Having a baby, adopting a child, or becoming placement for a child
  • Moving to a new are that offers different health insurance plan options than your previous area
  • Loosing Health Coverage due to job loss, divorce, involuntary loss of eligibility for Medicaid or Children's Health Insurance Program (CHIP), COBRA coverage ending, reduction or termination of employer contributions or your health plan no longer meeting requirements of the ACA for being a qualified health plan. 
  • For people who already has a qualified plan, a change in income or household status can be 


Purchase Temporary Insurance

Temporary insurance is available for those who have missed open enrollment and who do not qualify for a special enrollment period. Contact your agent to arrange coverage.