Here are the rules if you missed Open Enrollment

  1. I forgot about the enrollment deadline. Can I still buy health insurance through the Marketplace this year?

    No. Unless you are Medicaid eligible or you are buying insurance for a child, you must have a major life-changing event called a qualifying life event to be eligible to buy insurance through the Marketplace this year after the deadline. If you don’t have a qualifying life event, you must wait for the next open enrollment period that begins on November 15, 2014 for coverage that starts on January 1, 2015.

What is a qualifying life event?

Qualifying life events are major changes in your situation that mean you can have a special enrollment period to apply for health insurance. Qualifying life events that are eligible for a special enrollment period are:

  • ?  Individual or dependent loses minimum essential coverage due to: job loss; employer no longer offers coverage; divorce; death of a spouse; becoming ineligible for Medicaid or Child Health Plus; expiration of COBRA; or health plan is decertified
  • ?  Marriage, birth, adoption, or placement for adoption
  • ?  Gaining status as a citizen, national, or lawfully present individual
  • ?  Consumer is newly eligible or ineligible for tax credits and/or cost sharing reductions
  • ?  Permanent move to an area that has different health plan options
  • ?  Marketplace staff or contractor enrollment error
  • ?  Qualified Health Plan violated a provision of its contract
  • ?  American Indians can enroll or change plans one time per month throughout the year
  • ?  Other exceptional circumstances, as defined by HHS

    When is my next chance to buy insurance through the Marketplace if I am not eligible for Medicaid?

    The next open enrollment period for individuals and families begins on November 15, 2014 for coverage that starts on January 1, 2015.

    Are there any exceptions to the open enrollment period?

    Enrollment in Medicaid, Child Health Plus and the Small Business Marketplace continues all year.