Buying Health Insurance Outside Of Open Enrollment Apr 2026

Most SEPs allow you a from the date of a major life change to enroll in a Marketplace plan. Common qualifying events include:

Outside of the annual Open Enrollment Period, you can generally only purchase comprehensive health insurance if you experience a that triggers a Special Enrollment Period (SEP) . If you do not qualify for an SEP, alternative options like Medicaid or short-term plans may be available depending on your situation and state. 1. Qualifying for a Special Enrollment Period (SEP) buying health insurance outside of open enrollment

Getting married, having or adopting a baby, or a death in the family that causes a loss of coverage. Most SEPs allow you a from the date

Becoming a U.S. citizen, leaving incarceration, or gaining membership in a federally recognized tribe. 2. Year-Round Enrollment Options having or adopting a baby