Free tool
Can you still enroll today?
Open Enrollment isn't the only way in. If something changed in your life recently, a window may already be open — this checks in about a minute.
Open Enrollment is closed — for now
Can You Still Enroll Today?
Open Enrollment runs each year from November 1 to January 15. Outside that window, a major life change can open a 60-day Special Enrollment Period — so you don’t have to wait. Tell us what’s changed.
Next Open Enrollment begins November 1, 2026.
Has anything changed recently?
Eligibility and Special Enrollment Periods depend on your specific situation and are confirmed at enrollment. This tool is a guide, not a determination.
Why the timing matters so much
A Special Enrollment Period usually runs about 60 days from the qualifying event. Miss it and you generally wait for the next Open Enrollment, which can mean months without coverage.
That deadline gets missed constantly, and not because people are careless. The events that trigger a window — a job ending, a divorce, a death in the family, a move — are stressful, and paperwork is the last thing anyone wants to deal with. If something changed in the last two months, it's worth checking today rather than next week.
One distinction that disqualifies people
Losing coverage qualifies. Dropping coverage generally doesn't. If you cancel a plan you could have kept, or are terminated for non-payment, that usually isn't a qualifying event. The same trips people up with COBRA: your eligibility period ending qualifies, but choosing to stop paying partway through typically doesn't.
Not sure if your situation counts?
A licensed agent can confirm in a few minutes whether a window is open and what documentation you'd need. Free, no obligation.
Common questions
How long do I have after a qualifying life event?
Usually about 60 days from the event. Some events also allow you to enroll in the 60 days beforehand when you know the date in advance, which helps avoid a gap in coverage.
What documents will I need?
Proof of the event and its date — a letter from an employer or insurer showing when coverage ended, a marriage certificate, a birth certificate, or documents showing an old and new address for a move.
Does losing my job count?
Losing the health coverage that came with the job does. The trigger is loss of coverage rather than loss of employment itself, so the timing follows your coverage end date.
What if no qualifying event applies to me?
Check Medicaid and CHIP first, since they accept applications year-round and eligibility is broader than many people assume. Otherwise you'd generally wait for the next Open Enrollment period.