If you do not qualify for an SEP or Medicaid, you can consider these temporary or non-standard options: Qualifying life event (QLE) - Glossary | HealthCare.gov
: Members of federally recognized tribes and Alaska Native Claims Settlement Act (ANCSA) Corporation shareholders can enroll in Marketplace plans at any time.
: Losing a job-based plan, aging out of a parent's plan at 26, or losing Medicaid/CHIP eligibility.
You typically have from the date of the qualifying event to enroll. 2. Year-Round Enrollment Options
: If you qualify based on income or disability, you can apply and enroll year-round through HealthCare.gov or your state's agency.
Yes, you can buy health insurance right now, but your options depend on your specific circumstances since the standard for 2026 has already ended in most states. 1. Special Enrollment Period (SEP)
: Some states like Connecticut, Minnesota, and New York offer year-round enrollment for specific low-income "Basic Health Programs". 3. Alternative Coverage Solutions
If you have experienced a within the last 60 days, you can enroll in a comprehensive Marketplace plan immediately. Common qualifying events include: