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Have a qualifying life event? You may still be able to enroll in ACA coverage outside of open enrollment.

Special enrollment is available in 2023 to many with incomes that don’t exceed 150% of the federal poverty level.

Have you experienced a qualifying life event?

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*Short term health insurance plans are intended to provide temporary coverage and do not include all of the coverage and benefits of an ACA-qualified plan.

Qualifying events that trigger special enrollment

  • In most states, consumers are eligible for an SEP if they attest that their ability to enroll during open enrollment was impeded by COVID-19.

  • In most states, applicants with household incomes that don’t exceed 150% of the Federal Poverty Level are eligible for a special enrollment period (SEP).

Federal poverty level calculator

  • Involuntary loss of coverage (such as a loss of benefits do to job loss) is one of numerous qualifying events that trigger special enrollment.

  • You may be eligible for special enrollment if your open enrollment was affected by another exceptional circumstance, such as a natural disaster.