Missed Open Enrollment? You’ve Still Got Options
Open Enrollment for 2025 may have ended on January 15, but your chance to get health coverage isn’t necessarily over. Life happens—and so do second chances.
If you missed the window, don’t worry. You may still qualify for affordable health insurance through a Special Enrollment Period, Medicaid, or the Children’s Health Insurance Program (CHIP). Here’s how to explore what’s available and take action now.
🔄 Special Enrollment Period: Coverage When Life Changes
A Special Enrollment Period (SEP) allows you to enroll in or change a Marketplace health plan outside the standard Open Enrollment period—if you’ve experienced a qualifying life event.
You may qualify for an SEP if:
- You’ve lost health coverage (e.g., job loss, aging off a parent’s plan)
- You got married or divorced
- You had or adopted a child
- You moved to a new ZIP code or state
- You’re a member of a federally recognized Tribe or an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
These real-life events can open a new door to coverage—but don’t delay. SEPs are time-sensitive and usually give you 60 days from the date of the event to act.
🏥 Low- or No-Cost Options: Medicaid & CHIP
You can apply for Medicaid or CHIP at any time of the year. These government programs provide free or low-cost health coverage to people who qualify based on income, age, disability, or family size.
You may be eligible if you:
- Have a low or moderate income
- Are pregnant
- Are a child or teenager
- Have a disability or care for someone who does
- Are over a certain age
Medicaid covers a broad range of care, including hospital stays, doctor visits, mental health services, and prescription drugs.
CHIP is tailored to children and some pregnant individuals in families who earn too much for Medicaid but not enough to afford private insurance.
💡 What to Do Next
- Check Your Eligibility: A quick online screening can show whether you qualify for an SEP, Medicaid, or CHIP.
- Act Quickly: If you’re eligible for a Special Enrollment Period, you may only have a short time to sign up.
- Apply Anytime for Medicaid or CHIP: These programs are open year-round.
💬 Still Have Questions?
You can get free, personalized help from certified assisters, brokers, or call centers to guide you through your options. No pressure, just support.