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.