How To Buy Health Insurance Outside Of Open Enrollment Apr 2026

The most common way to enroll outside the standard window is through a Special Enrollment Period (SEP). An SEP is triggered by a , which is a significant change in your household or insurance status.

Certain government-funded programs do not have enrollment deadlines and are available whenever you meet the eligibility criteria. how to buy health insurance outside of open enrollment

: Moving to a new ZIP code, county, or state that offers different health plan options. The most common way to enroll outside the

If you do not qualify for an SEP and do not meet Medicaid income requirements, you may need to look into private, non-Marketplace options. how to buy health insurance outside of open enrollment