Lost Medicaid or CHIP?

Your window

• On HealthCare.gov, you can enroll if you lost Medicaid or CHIP coverage in the past 90 days.
• States that run their own Marketplace set their own window, which may be 60 or 90 days. Ask me and I'll check yours.
• The special "Medicaid unwinding" enrollment period ended November 30, 2024. Today the regular loss-of-coverage rules apply.

Why you might pay less than you think

People whose income is too high for Medicaid often qualify for a premium tax credit on a Marketplace plan, and lower-income households may qualify for extra savings on Silver plans. See your price in 60 seconds, or read how tax credits work.

If you think Medicaid ended by mistake

Contact your state Medicaid office. You may be able to appeal or reapply, especially if your income or household changed. If your income is very low and your state hasn't expanded Medicaid, call me and we'll look at what's open to you.

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.