If you've missed open enrollment, you still have several options.

Check to see if you qualify for a Special Enrollment Period (SEP)

Outside of open enrollment, you can still buy major medical insurance if you've experienced a qualifying life event. This would open up what’s called a special enrollment period, or SEP.


Common qualifying live events:

  • Having a baby, adopting a child, or placing a child in foster care
  • Getting married
  • Involuntarily losing health coverage (aging out of a parent's policy, losing coverage provided by an employer, losing coverage due to divorce)
  • Moving to an area with different policies available
  • Changes in your income that affect the coverage you qualify for

Important to know:

You can purchase dental and vision insurance at any time during the year.

Consider short-term medical insurance

If you find yourself outside of open enrollment and don't qualify for a special enrollment period, you can still get a form of coverage called short-term medical insurance.

Short-term policies work the same way as traditional insurance but include more limitations. You can check out the policies available through eHealth, an insurance marketplace similar to healthcare.gov.

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