When Can You Apply for A QHP (Qualified Health Plan) either on the Healthcare Exchange or off the Exchange?

Open Enrollment for is 2023 – Nov. 1st – Dec. 15th 2022.

Every year Annual Enrollment runs from November 1st through December 15th for an effective date of January 1st of the following year.

All other dates require a Special Enrollment Period (SEP) to enroll. These SEP’s must fall into one of the following categories which are Qualifying Life Events (QLE);

    1. Loss of Employer Health Coverage
    2. Marriage or Divorce
    3. Birth, adoption, foster care or placement for adoption
    4. Gaining U.S. citizenship or qualifying immigration status
    5. A permanent move to a new area that offers different Health Plan options
    6. A change in income or household status that affects eligibility for tax credits or cost-sharing reductions
    7. Loss of other health coverage (due to job loss, loss of eligibility for Medicaid or CHIP, expiration of COBRA coverage, or a health plan being decertified **)
    8. You are enrolled in a non-qualifying employer coverage plan (meaning the plan does not meet minimum QHP requirements)
    9. Enrollment into a QHP was an unintentional error – based on incorrect information from the Health Insurance Marketplace.
    10. The Plan in which a member enrolled substantially violated a provision of the contract
    11. American Indians and Alaskan Natives may enroll in or change QHP’s once a month.

**Voluntarily cancelling other health insurance and being terminated for not paying premiums will not be considered as loss of coverage. Losing a individual plan that does not carry minimum essential coverage during a non-enrollment period will not be considered as loss of coverage.

See list of open enrollment by state.


Allchoice Insurance

Owner Vicki Ferguson
1050 Wilshire Dr. Suite 280
Troy, MI 48084

 (586) 484-4050


Allchoice Insurance Agency, Inc
Div. of National Benefit Plans

Louis Isabell
28003 Center Oaks Ct #103
Wixom, MI 48393

 Toll Free: 800-889-2659