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Missed Open Enrollment? Here's What to Do.
Missing Open Enrollment doesn't necessarily mean you're out of options -- certain life events open a Special Enrollment Period, and it's worth checking whether one applies to you.
Is this right for you?
- You realized after the deadline that you needed to enroll or make a change
- You're not sure whether anything in your life qualifies you for a Special Enrollment Period
- You want to know your realistic options, even if the answer is "wait until next year"
Your options
Job loss, marriage, having a baby, moving, and other life events can open a window outside the annual deadline.
These programs generally don't have an annual enrollment deadline the way Marketplace and Medicare plans do.
If nothing applies right now, an agent can help you understand exactly when your next real opportunity is.
Common questions
Is there really nothing I can do if I missed the deadline?
Not necessarily -- it depends entirely on your specific situation. A recent life event may qualify you for a Special Enrollment Period even now.
What counts as a qualifying life event?
Common examples include losing other coverage, moving, getting married, or having a baby -- an agent can check whether anything in your recent situation qualifies.
What if nothing qualifies me right now?
An agent can walk through what other options exist (like Medicaid, if you qualify) and exactly when your next enrollment opportunity opens.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.