ACA Special Enrollment Period
An ACA Special Enrollment Period lets you sign up for a Marketplace plan outside Open Enrollment after life events like losing a job or having a baby.
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Frequently asked questions about ACA Special Enrollment Period
What is ACA Special Enrollment Period?+
An ACA Special Enrollment Period lets you sign up for a Marketplace plan outside Open Enrollment after life events like losing a job or having a baby.
Who qualifies for ACA Special Enrollment Period?+
Anyone without affordable job-based coverage, Medicaid, or Medicare can shop the Marketplace. Subsidies depend on household income.
How do I apply for ACA Special Enrollment Period?+
Apply during Open Enrollment (Nov–Jan) or after a qualifying life event at healthcare.gov, or through your state's Marketplace. Official forms and instructions: https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/.
Where can I get help?+
Compare plans and check subsidies at healthcare.gov, or call a free local Navigator listed there. BenefitKarma's free Benefit Eligibility Screener can also tell you if you qualify for Medicaid instead.