Need Individual & Family coverage? You still may be able to enroll during the Special Enrollment Period. It all depends on what changes have occurred in your life.
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Getting married
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Having, adopting or placement of a child
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Permanently moving to a new area that offers different health plan options
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Losing other health coverage (for example due to a job loss, divorce, loss of eligibility for Medicaid or CHIP, expiration of COBRA coverage, or a health plan being decertified).
Note: Voluntarily cancelling other health coverage or being terminated for not paying your premiums are not considered loss of coverage. Losing coverage that is not minimum essential coverage is also not considered loss of coverage.)
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For people already enrolled in Marketplace coverage, having a change in income or household status that affects eligibility for tax credits or cost-sharing reductions
See some example scenarios »
How long you have to enroll and the effective date of coverage depends on the qualifying event.
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Enrollment must occur within 30 days of the following events: |
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Event |
Effective date of coverage |
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Loss of Employer Coverage for These Reasons:
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Termination of employment (need to provide coverage cancellation letter as proof)
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Death of the employee who had the insurance coverage
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Divorce
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Loss of eligibility of a dependent child
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Employee enrolls in Medicare
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Employer’s bankruptcy
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First of the month following the loss of group coverage |
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Enrollment must occur within 60 days of the following events: |
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Event |
Effective date of coverage |
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Loss of minimum essential coverage (nonpayment of premium does not qualify)
Members are allowed to report future losses if they know about them
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First of the month following plan selection following the loss of group coverage |
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Birth, adoption or placement for adoption
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Date of birth or for adoption, either the date of placement or the date of adoption (whichever is earlier) |
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Newly acquired spouse and/or dependents through marriage
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First of the month following plan selection following the date of marriage |
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Becomes a citizen, national, or a lawfully present individual in the US
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First of the month following your becoming a citizen, national or lawfully present |
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Becomes newly eligible or loses eligibility for an advanced premium tax credit or experiences a change in eligibility for cost share reduction plans
Members are allowed to report future losses if they know about them
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First of the month following the loss or change |
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Becomes newly eligible due to a permanent move.
There may be a gap in coverage.
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First of the following month if the application for coverage is received between the 1st and the 15th of the month. The first of the subsequent month if the application for coverage is received between the 16th and the end of the month. |
When enrolling during the special enrollment period, please submit supporting documentation related to your life event. Failure to submit documentation may delay processing the change.
You have several options to get covered:
Enroll Now using our online shopping tool where you can compare plans and prices and enroll
Call our Enrollment Hotline at 1.866.217.6111 You can speak with a licensed agent Monday – Friday, 8am – 6pm
Email our Enrollment Hotline
Work with a broker or agent in your community who is contracted to sell CoOportunity Health products Find a Broker or Agent
Need to Change Your Current CoOportunity Health Coverage Because of a Qualifying Event?
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If you bought through a broker or agent, work with the broker or agent to update your coverage with CoOportunity Health
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Purchased coverage on your own? Complete the Medical Change Form
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Call Individual Premium & Billing at 1.888.827.0181, Monday – Friday,
Marketplace Purchasers
If you enrolled through the Marketplace at healthcare.gov, all updates will need to be done on healthcare.gov.
Open Enrollment for the
Individual & Family Market is now closed.
Open Enrollment
Open Enrollment is when individuals can enroll in health
plans. The next period for Open Enrollment is Nov. 15, 2014 -
Feb. 15, 2015.
Special Enrollment Period
You can sign up for a new health plan or make a change to your existing
health plan outside Open Enrollment if you have a qualifying
life event.
Just Window Shopping?
Browse, shop and compare plans.
I have a qualifying event. Proceed to