Lost a job or coverage
60 days before or after the loss. COBRA rules, too.
Turning 26
Aging off a parent's plan. Apply early, skip the gap.
Just moved
New ZIP or county, with coverage before the move.
Had a baby or adopted
60 days, and coverage can start on day one. Marriage too.
Lost Medicaid or CHIP
90 days on HealthCare.gov, and savings may apply.
Self-employed or 1099
Estimating income, enrolling, and the tax deduction.
Special Enrollment Period basics
- Most life changes give you 60 days to pick a plan. Losing Medicaid or CHIP gives you 90 days on HealthCare.gov.
- You may need to upload documents that prove the change, generally within 30 days of picking a plan. Your coverage can't be used until that's confirmed and your first premium is paid.
- States that run their own Marketplace may have their own rules and dates. I'll check yours.
- Private plans have their own enrollment rules. They are not ACA plans: they're medically underwritten, approval isn't guaranteed, they may not cover pre-existing conditions, and they don't qualify for tax credits.
No life change? You can still enroll during Open Enrollment: Nov 1, 2026 to Jan 15, 2027 on HealthCare.gov. See the dates.
See where you stand
Get a price estimate in 60 seconds, or ask for a free quote and I'll check your window and your options.
Sources
- HealthCare.gov: Special Enrollment Period
- HealthCare.gov: Special Enrollment Periods list
- HealthCare.gov: Confirming your Special Enrollment Period
Last reviewed October 14, 2026. Rules and numbers can change; the official application decides your actual savings and eligibility.