Under current law, individual health insurance policies can only be purchased during qualifying events or during the open enrollment period.  Because of these restrictions, it’s best that you contact us as soon as possible to make sure you don’t miss an important deadline that could cause you to go as long as a full year without health insurance.  A list of the special enrollment periods is below.

List of Special Enrollment Periods (SEP)

Qualified Life Event Time to Enroll New Policy Effective Date
Had a baby or adopted a child within 60 days of event Date of birth or adoption
Got married 60 days before and after event First of the month following event
Entered into a domestic partnership 60 days before and after event First of the month following event
Received a court order for coverage 60 days before and after event Date of required court ordered coverage

Qualified Life Event Time to Enroll New Policy Effective Date
Got divorced 60 days before and after event First of the month following event
Dependent turned age 26 (2014 ACA plans) 60 days before and after event First of the month following the month dependent turns age 26.
Dependent turned age 26 (pre-2014 plans) 60 days before and after event First of the month following your policy renewal date.
Lost employer coverage 60 days before and after event First of the month following event
Moved to a new state 60 days before and after event First of the month following event

Qualified Life Event Time to Enroll New Policy Effective Date
Returned from military service 60 days before event and 120 days after First of the month following event
Gained U.S. Citizenship 60 days before and after event First of the month following event
Dependent between the ages of  19-25 removed from parent's individual policy 60 days before and after event First of the month following signature

More information on health insurance and group health insurance