Getting covered outside Open Enrollment
- Certain life events open a window to enroll, often 60 days.
- Losing other coverage is one of the most common reasons.
- You may need to show proof of the event.
Open Enrollment is the yearly window to sign up for an individual plan. But life does not wait for November, and a Special Enrollment Period (SEP) lets you enroll after certain events.
Common qualifying events
- Losing health coverage, such as leaving a job with benefits or aging off a parent's plan at 26
- Getting married
- Having a baby, adopting, or placing a child in foster care
- Moving to a new ZIP code or county where different plans are offered
- Changes in household income that affect eligibility for savings
How long you have
In most cases you have 60 days from the event to pick a plan. For some events, like losing coverage, you can apply before it ends so there is no gap.
What to have ready
You may be asked for documents that show the event happened, such as a letter from your former employer, a marriage certificate, or proof of your new address.
If you do not qualify
If you do not have a qualifying event, you may still have options, such as short-term coverage or certain private plans. These work differently from ACA plans, so it helps to compare with a licensed agent.
See your Arizona options
Answer a few quick questions. A licensed agent will walk you through plans that fit.
This article is general information, not legal, tax or medical advice. Plan availability, benefits, eligibility and prices vary by location and situation. A licensed agent can review your specific options.