Outside of open enrollment, you can only get health insurance in two ways:

  • With a special enrollment period. You can qualify if you lose job-based coverage, have a baby, get married, or have certain other life changes, or based on estimated household income.
  • Through Medicaid or the Children's Health Insurance Program (CHIP). You can apply at any time and enroll immediately if you're eligible.

Think you may qualify for a special enrollment period? Answer a few quick questions to find out.

Answer a few quick questions to preview plans with personalized price estimates before you apply.

You can report changes to the Marketplace in three ways: online, by phone, or in person — not by mail. Learn how to report changes.

You can upload the documents online, which is the fastest and easiest way to get them processed. You can also choose to mail copies.

When you have Marketplace insurance, you'll pay your premiums directly to the insurance company, not to the Health Insurance Marketplace®. Your coverage won't start until you pay your first premium. Get more information on completing your enrollment.


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