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Getting Coverage Outside of the Open Enrollment Period

If you did not sign up for an Obamacare Plan during the Open Enrollment Period (November 1, 2020 to December 15, 2020), you can still get coverage during the “Special Enrollment Period.”

The Special Enrollment Period is any date that falls outside of Open Enrollment. However, you or someone in your household must have what is known as a “Qualifying Life Event” to be eligible to participate in the Special Enrollment Period.

A Qualifying Life Event enables you to get any one of the five Obamacare Plans. Subsidies, or discounted rates, are available if you meet certain criteria.

What is a Qualifying Life Event?

The most common Qualifying Life Events are listed below. You are very likely eligible if you:

  • Lost health coverage in the last 60 days or expect to lose it within the next 60 days
  • Got a divorce and lost health insurance.
  • Got married.
  • Gave birth.
  • Adopted a child or had a foster child placed in your home.
  • Had a death in your household.
  • No longer live in your current health plan’s coverage area (e.g. moved to a new state).
  • Had a change in household income.
  • Became a U.S. citizen.

Other Qualifying Life Events include:

  • A prolonged illness that required hospitalization.
  • A temporary cognitive disability.
  • An enrollment error made by an insurer, government entity, or insurance agent..
  • Being released from prison or detention.
  • A natural disaster.

What is a Qualifying Life Event?

If you missed Open Enrollment and do not have a Qualifying Life Event, you can still get covered through a Short Term Plan. Though they provide medical insurance, Short Term Plans are different than Obamacare Plans. Learn more about Short Term Plans here

If you are not 100% sure about your eligibility for any plan, don’t worry. Just enter your zip code and tell us about yourself. Based on your information, which is 100% safe and secure, we will find you the health plans that best match your needs -- all at the lowest rates!

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ObamacareUSA.org is an independent marketplace and is not a federal or state Marketplace website. ObamacareUSA.org does not provide quotes or sell insurance directly to consumers, is not affiliated with any exchange, and is not a licensed insurance agent or broker. Accordingly, you should not send us (via mail or email) any sensitive information, including personal health information or applications. Any such communications will not be treated as confidential and will be discarded, as, in offering this website, we are required to comply with the standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website or go to the Health Insurance Marketplace website at www.HealthCare.gov

Advertised Pricing:

There are several factors that impact your monthly premium; including, but not limited to your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, this result is subject to change.