Marketplace plans generally limit sign-ups to a yearly open-enrollment window. But that's not the only way to get covered, and missing the window doesn't mean going without insurance for the rest of the year. Here are your real options.
Special Enrollment Periods (SEPs)
Certain life events open a 60-day window to enroll in a Marketplace plan outside the normal period. If one of these has happened to you recently, you may still qualify for a Marketplace plan today.
- Losing job-based coverage
- Moving to a new area
- Getting married or divorced
- Having or adopting a baby
- Losing other health coverage
Private PPO plans enroll year-round
Many private PPO plans aren't tied to open enrollment at all — you can apply any time of year. For people who missed the Marketplace window and don't have a qualifying event, this is often the most direct path to getting covered quickly.
What counts as proof of a qualifying event
If you're using a Special Enrollment Period, you may need documentation — like a letter showing you lost coverage, a marriage certificate, or proof of a move. An advisor can tell you what's needed and help you submit it correctly so your enrollment isn't delayed.
Don't wait uninsured
A gap in coverage is a real financial risk — a single emergency can cost tens of thousands of dollars. If you're between plans, getting something in place quickly protects you while you sort out longer-term options.
Your next step
A licensed advisor can tell you in minutes whether you qualify for a Special Enrollment Period or a year-round private plan, and help you enroll without a gap. It's free and there's no obligation.
