Find plans for $10/mo or less with financial help (including $0 premium plans).
Moved recently? New baby? Lost your job? Divorced? See if you or your family can find health plans that fit your needs and budget with a Special Enrollment Period. All you have to do is see if you qualify. Get a free quote within two minutes for a low-cost, quality plan.
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Everyone deserves health insurance that
covers ALL the essential benefits.
This includes health, hospitals, preferred doctors, dental, vision, and prescriptions. The problem is that it feels like a dream. How often are you telling yourself, “I should see a doctor for this”?
But:
You can’t find plans within your network that don’t have a high co-pay…
You're worried if the health plans will cover everything vital...
You stress about whether the doctors will give real care…
You can’t pay the high monthly premium...
And you can’t figure out how the system works.
It is a nightmare.
The worst part is trying to get covered outside the annual Open Enrollment Period (OEP). Not everyone can remember or can sign up for healthcare during that time.
This is where the Special Enrollment Period (SEP) can help you.
With a SEP you can get health insurance through the Marketplace, even if you missed Open Enrollment. You qualify for this period through life events.
What Are Qualifying Life Events (QLE)?
Qualifying Life Events are big life changes that allow you to get or change health insurance outside the usual sign-up time.
Here are the most common QLEs that trigger a Special Enrollment Period:
New Birth or Adoption
If you've had, adopted, or fostered a child in the last 60 days, your family qualifies for a special enrollment. This includes if your child was placed for adoption or foster care.
Change in Income or Employment Status
If your income changes or you lose your job (health insurance included), you can sign up for new health coverage during a special enrollment period.
Change in Income or Employment Status
If your income changes or you lose your job (health insurance included), you can sign up for new health coverage during a special enrollment period.
Turning 26
Are you currently 25? Your coverage under a parent's plan ends at 26, making it a qualifying event for new insurance.
Moving or Changing Address
Moving, whether it's to a new ZIP code, as a student, seasonal worker, or from transitional housing, qualifies you for new insurance.
Moving or Changing Address
Moving, whether it's to a new ZIP code, as a student, seasonal worker, or from transitional housing, qualifies you for new insurance.
Loss of Health Coverage
Losing health coverage, including from jobs, individual plans, or losing eligibility for Medicaid, or CHIP, qualifies you for new insurance.
Becoming a US Citizen
Yes, becoming a U.S. citizen is a qualifying life event that opens a 60-day special enrollment period for new marketplace health insurance.
Becoming a US Citizen
Yes, becoming a U.S. citizen is a qualifying life event that opens a 60-day special enrollment period for new marketplace health insurance.
Marriage or Divorce
Married or divorce? You can change your health insurance in a special 60-day period for most plans, or 30 days for job-based plans.
Death of a Spouse
or Dependent
The death of a spouse or dependent triggers a special enrollment period for new health insurance. It can also qualify survivors for marketplace insurance or COBRA, outside of open enrollment.
Remember, report any of these qualifying life events to get the Special Enrollment Period.
You will get a 60-day window to enroll in a new health plan. This applies to plans through the Marketplace or an employer-sponsored plan.
Death of a Spouse or Dependent
The death of a spouse or dependent triggers a special enrollment period for new health insurance. It can also qualify survivors for marketplace insurance or COBRA, outside of open enrollment.
Remember, report any of these qualifying life events to get the Special Enrollment Period. You will get a 60-day window to enroll in a new health plan. This applies to plans through the Marketplace or an employer-sponsored plan.
4 out of 5 customers can find a health plan
that is $10 or less per month with financial help.
How Does It Work?
1. See how much you can save in under 2-minutes.
Get a quick quote for premium cost savings and see if you qualify for cost reductions on Silver plans.
2. Find health plans that fit your budget and needs.
View affordable health plans that include your doctors and drugs, removing the guesswork.
2. Find health plans that fit your
budget and needs.
View affordable health plans that include your doctors and drugs, removing the guesswork.
3. View your available options side by side.
Easily compare health plans, costs, and coverage for care visits & preventive services.
4. Choose the best health plan and enroll.
Select the health insurance plan that works best for you and your family.
4. Choose the best health plan and enroll.
Select the health insurance plan that works best for you and your family.
Why Marketplace America?
Helping customers save on
health insurance is our mission.
With 10+ years of experience, we understand finding affordable health coverage is overwhelming. As licensed health insurance experts, we want you to save money on plans that fit your needs.
We work with you to show you:
What You Can Afford…
What Kind of Coverage You Need…
And to Educate You About All Your Available Options.
So, why not see if you can get health insurance without the big price tag? We’ll do our best to find the right insurance plan for you.
Real People, Real Support, Real Results.
"Extremely helpful and patient in helping me to find the right insurance."
Thelma B.
"So helpful and patient... Took time in explaining every detail of my insurance. Very professional."
Sawsan Z.
"Great health care coverage."
Latasha Y.
"Amazing help!! The operator was wonderful!."
Sheryl L.
"I really enjoyed all the help that I received. The people are wonderful there."
Brian K.
"So helpful and kind... Wasn't sure what to expect, but she explained everything very well. "
Bobby A.
"Answered my question easily. Very friendly and helpful."
Gregory P.
"Answered all of my questions with clarity and guided me through the process of selecting 2 great plans!"
Angelique F.
"Very helpful, very friendly customer service."
Deborah T.
"My assistant was perfect. Very knowledgeable... Very helpful!"
Wendy D.
*Real customer feedback. Images are for illustrative purposes only.
Answers To Your Special Enrollment Period Questions
Is there a penalty for not having health insurance?
Since 2019, there has been no federal tax penalty for not having healthcare coverage. The federal tax penalty ended, but that doesn’t rule out the risk of something unexpected happening. If you don’t have health insurance, not having it could cost thousands of dollars and even cause you to go bankrupt.
How long is the special enrollment period?
You have a period of 60 before or after a qualifying life event to get new health insurance. For employer-based health plans, this period is shortened to 30 days.
How often do open enrollment periods usually occur?
The annual Open Enrollment period is from Nov. 1 to Jan. 15 for most states. Employer-sponsored health plans can vary when they annually get new coverage.
Does pregnancy count towards special enrollment periods?
Pregnancy does not count as a qualifying life event. The birth of the child is what triggers the Special Enrollment Period. Pregnant parents may be eligible for Medicaid coverage depending on their income. Medicaid enrollment happens year-round.
What life changes qualify you for the Special Enrollment period?
If you experience a qualifying life event, you are eligible for the Special Enrollment Period (SEP). This means that you can enroll in or change your health insurance outside of the Open Enrollment. Qualifying life events include things like getting married, having a baby, or losing other health coverage.
Life doesn't wait. See if you can still get a health plan.
Get a quote in under two minutes.
This website is operated by Palmetto Health Pro, dba Marketplace America, under agent Tina Knight NPN: 17109406 and is not the Health Insurance Marketplace website. Click here for a listing of licensed states and state license numbers. In offering this website, Marketplace America is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) standards established under 45 C.F.R. 155.260 to protect the privacy and security of personally identifiable information and state insurance laws applicable to ACA plans. This website may not display all data on Qualified Health Plans being offered in your state through your state or the federal Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to your state Health Insurance website or the federal the Health Insurance Marketplace website at HealthCare.gov. The rates displayed on this website are cost estimates and though we attempt to be as close to your final cost share as possible, it cannot be determined until you verify your eligibility by completing the application process via the federal or state marketplace. For quality control purposes, your activity on this website may be monitored or recorded by Marketplace America or its service providers.