Generally, people can only enroll in a marketplace plan or switch plans on HealthCare.gov during the annual open enrollment period, which begins on November 1st each year. But people who experience certain life events during the year (such as getting married, losing job-based insurance, etc.) are able to newly enroll…
When and where can someone enroll?
Many people can enroll in health insurance at HealthCare.gov, the federal government’s marketplace website. Some states have created their own state-based marketplaces (HealthCare.gov redirects people in those states to their state-based marketplace website).
Generally, people can only enroll in a marketplace plan during the annual open enrollment period, which begins on November 1st each year. It’s important to note that people who are eligible for Medicaid can enroll at any time during the year.
People who experience a qualifying life change, such as getting married or having a child, may be eligible for a special enrollment period that allows them to newly enroll in a plan or switch plans outside of open enrollment.
A new policy in 2022 allows people with low incomes to enroll in a marketplace plan at any time during the year.
In this Beyond the Basics webinar presented on February 6, 2020, Sarah Lueck, Senior Policy Analyst, reviews the circumstances that trigger a special enrollment period and the timing of coverage effective dates for different triggering events. This webinar also covers changes and updates to the rules surrounding special enrollment periods.↓…