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Do I Qualify to Enroll?

Outside of Open Enrollment, you need a qualifying life event (Special Enrollment Period) to sign up for ACA health insurance.

Have any of these happened in the last 60 days?

Select all that apply.

I recently lost or will lose health coverage

Job loss, COBRA ending, aging off parent's plan, plan discontinued

My Medicaid or CHIP coverage ended

State redetermination, income change

I recently got married

Marriage creates a 60-day enrollment window

I had a baby, adopted, or placed a child in foster care

60-day window, coverage can be retroactive to birth

I got divorced and lost coverage

60-day window from loss of coverage

I moved to a new ZIP code or county

New area may have different plan options

My income decreased significantly

May now qualify for Marketplace subsidies or Medicaid

I became a U.S. citizen or gained eligible immigration status

60-day enrollment window

I am an American Indian or Alaska Native tribal member

Can enroll year-round, once per month

I am a survivor of domestic abuse or spousal abandonment

60-day enrollment window

I was affected by a FEMA-declared disaster

60-90 day window depending on disaster

My employer offered an Individual Coverage HRA (ICHRA)

60-day enrollment window

This tool provides general guidance only. A licensed agent can verify your eligibility and help you enroll. Special Enrollment Period rules are set by CMS and may vary by state.

Sidebar Benefit Advisors

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