Special enrollment

Open enrollment for individual and family plans is Nov. 1 - Jan. 15 each year.

Learn about qualifying events, enrollment periods, and effective coverage dates

Key terms

Qualifying event

A qualifying event is a change in life that makes an individual or a family eligible to enroll in or make a change to health coverage outside of the regular open enrollment period.

Enrollment period

The amount of time you have to enroll in or make a change to your coverage after the qualifying event takes place. Most qualifying events have a 60-day enrollment period.

Effective coverage date

The date insurance coverage begins. This date depends on the qualifying event. For example, coverage for a new spouse begins the first day of the month after the change.

Qualifying events

Unless indicated, these events qualify for a special enrollment period whether you purchase your insurance directly from us or through the Health Insurance Marketplace. You can make a change to your current plan and in some situations you can choose an entirely new plan.

  Life events

  Loss of coverage

What are my next steps?

The process to make changes to your plan depends on where you purchase your health insurance.

  • If you are eligible for financial assistance and/or you currently have a plan through the Health Insurance Marketplace (Exchange), make changes at healthcare.gov.
  • If you want to purchase a new plan—including subsidy-eligible Marketplace plans — see available plans.
  • If you are unsure where you purchased your plan and/or want to make a change to your existing policy, call us at 1-877-379-7599 (TTY: 711).

This website provides information on special enrollment periods only for members who have purchased an ACA-compliant individual plan and may not be applicable if you are remaining on your non-ACA compliant individual plan. Additionally, this website may not include all special enrollment periods for which you may be eligible. For more information, review your Individual Policy and Benefit Summary if you have individual coverage via the portal. If you purchased your health plan on the Health Insurance Marketplace, you will be required to make any changes on healthcare.gov.