Sometimes. Marketplace Open Enrollment is the main annual window, but qualifying life events can create a Special Enrollment Period. Medicaid and CHIP accept applications year-round, while private products may follow different product and eligibility rules.
Marketplace Special Enrollment Periods
Common qualifying events can include losing qualifying coverage, marriage, birth or adoption, and certain moves. The event, previous coverage, timing, and household circumstances determine eligibility. Some events allow enrollment before the change; others require action within a limited period afterward.
Loss of coverage
Losing job-based insurance is a frequent example. HealthCare.gov generally provides a 60-day window after the loss, and documentation may be required. Voluntarily dropping coverage or failing to pay premiums does not necessarily qualify as an involuntary coverage loss.
Marriage, birth, adoption, and moving
Household changes can create enrollment opportunities, but effective dates and documentation vary. A permanent move may qualify only when applicable conditions are met, including prior coverage requirements in many situations. Confirm the exact rule instead of assuming every move qualifies.
Medicaid and CHIP
Applications for Medicaid and the Children’s Health Insurance Program can be submitted at any time. Eligibility depends on the program and state rules. A Marketplace application can also screen household members for these programs.
Private coverage outside Open Enrollment
Certain private-market products may accept applications at other times, but that does not mean they provide the same protections or benefits as ACA Marketplace coverage. Underwriting, exclusions, benefit limits, and eligibility may apply. Review official documents carefully.
Official references: HealthCare.gov Special Enrollment Periods · Medicaid and CHIP enrollment · CMS 2027 Open Enrollment rule