Life Happens — Coverage Can Too
If you missed the annual open enrollment window, you may still be able to enroll in a Marketplace plan through a Special Enrollment Period (SEP). SEPs are triggered by qualifying life events.
Qualifying Life Events
You may qualify for an SEP if you experience any of the following:
- Loss of health coverage — losing job-based insurance, aging off a parent's plan, or losing Medicaid eligibility
- Changes in household — getting married, having a baby, adopting a child, or getting divorced
- Changes in residence — moving to a new ZIP code or county with different plan options
- Changes in income — income changes that affect your subsidy eligibility
- Other events — gaining citizenship, leaving incarceration, or certain exceptional circumstances
Important Timing Rules
You typically have 60 days from the date of the qualifying event to enroll in a new plan. Don't wait — once the window closes, you'll have to wait until the next open enrollment period.
What to Do Next
- Gather documentation — proof of your qualifying event (loss of coverage letter, marriage certificate, lease, etc.)
- Contact a licensed agent — we can help you verify eligibility and compare plans
- Enroll within 60 days — coverage typically begins the first of the month after you select a plan
Not sure if your situation qualifies? Call us — we'll help you figure it out at no cost.
Related Reading
- Special Enrollment Period Florida: Your Complete Guide
- ACA Open Enrollment Florida 2026: Dates & Deadlines
- ACA Application Documents Florida: Complete Checklist
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Frequently Asked Questions
Can I enroll in health insurance outside of Open Enrollment?
Yes. If you experience a qualifying life event such as losing job-based health insurance, moving to a new coverage area, getting married, or having a child, you qualify for a 60-day Special Enrollment Period.
How many days do I have to enroll during a Special Enrollment Period?
In most cases, you have 60 days from the date of the qualifying life event to choose and enroll in a Marketplace plan.
Do I get the same premium tax credits and subsidies during an SEP?
Yes. Subsidies, premium tax credits, and Cost-Sharing Reductions apply the exact same way during a Special Enrollment Period as they do during Open Enrollment.
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