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Health Insurance Special Enrollment Period

A special enrollment period is a window that allows individuals to enroll in an individual health insurance plan outside the annual open enrollment period.

A special enrollment period is a window that allows individuals to enroll in an individual health insurance plan outside the annual open enrollment period. Each special enrollment period is 'triggered' by certain qualifying events that are required by law.

Special enrollment periods typically last 60 days from the date of the qualifying event. You can enroll outside this period, if you have gone through a qualifying event such as marriage, divorce, or moving into North Carolina from out of state.

Special circumstances for enrolling outside of the open enrollment period include:

  • Loss of minimum coverage (employer coverage, government plans, etc.)
  • Adding a dependent through birth, adoption or marriage
  • Gaining citizenship
  • Enrollment/non-enrollment errors by the federal Marketplace or the US Department of Health and Human Services
  • Qualified health plan violates the material provision of its contract with the individual
  • Newly eligible for a subsidy or a change in the amount of subsidy you are eligible for
  • Moving to a new state
  • American Indian/Alaska Native status (may change once a month)
  • Other exceptional circumstances