Special Enrollment Periods

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Looking for coverage before or after open enrollment? 

Some people can get health insurance through the Marketplace before and after open enrollment.

People who have recent changes in their live, referred to as a "qualifying life event", may qualify for a "special enrollment period".  This means they can sign up before or after an open enrollment period.

Life changes that would allow you to enroll before or after the next open enrollment period include?

  • Marriage, birth, adoption
  • Moving outside of your current coverage area
  • Certain changes to your income if you are enrolled already in a Marketplace plan
  • A change in your immigration status
  • Problems with your coverage due to a Marketplace error
  • Losing other health coverage (for example, if you lose your health insurance coverage because you lost your job, got a divorce, stopped being eligible for MaineCare, or coverage you were purchasing through COBRA ended)*

Members of federally recognized tribes can enroll anytime. 

Members do not have to wait for a special enrollment period or open enrollment to enroll.

Most special enrollment periods last for 60 days from the date of the qualifying life event.  Be sure to apply as soon as possible after the change occurs.  You can apply at HealthCare.gov or by calling 1-800-318-2596.

*The health care law requires people to have coverage for "essential benefits" including preventative care, inpatient and outpatient hospital care, lab test, prescription drugs, mental health and substance abuse services and other health care services.  Losing coverage that does not include "essential benefits" does not qualify you for a special enrollment period.

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