Health Insurance
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Special Enrollment Period (SEP)
If you fall into any one of these categories, you may be eligible to enroll in health insurance outside of the standard Open Enrollement Period.
- Losing health coverage
- Moving
- Getting married
- Having a baby
- Adopting a child
- Household income is below a certain amount
- +more!
** 60 days before or 60 days after event
** job based - after at least 30 days
Anytime Enrollement
- Medicaid
- Children’s Health Insurance Program (CHIP)
Open Enrollment
- November 1: Open Enrollment starts for health coverage for the next plan year — first day you can enroll in, re-enroll in, or change health plans through the Health Insurance Marketplace®. Coverage can start as soon as January 1.
- December 15: Last day to enroll in or change plans for coverage to start January 1.
- January 1: Coverage starts for those who enroll in or change plans by December 15 and pay their first premium.
- January 15: Open Enrollment ends — last day to enroll in or change health plans for the year.
- February 1: Coverage starts for those who enroll in or change plans December 16 through January 15 and pay their first premium.
Medicare / Medicare Advantage
Initial Enrollment Period
- 3 months before 65th birthday
- 3 months after 65th birthday
General Enrollment Period (GEP)
- January 1 - March 31
Eligibility
- 65 or older
- Under 65 with certain disabilities or health conditions
- Individuals with ALS
- Individuals with ESRD
- Be a US Citizen
- An alien who lawfully have been admitted for permanent residence residing in the U.S. for 5 continous years.
Special Enrollment Period
- Please set up a consultation to see if you fall within the scope of a Special Enrollment