You may qualify for a Special Enrollment Period if you lose health coverage provided by your employer or a family member’s employer. This includes losing coverage through a parent or guardian when you are no longer considered a dependent.

Important Notice:
Voluntarily dropping coverage as a dependent does not qualify you for a Special Enrollment Period unless you also experience a decrease in household income or a change in your previous coverage that makes you eligible for savings on a Marketplace plan.

You may qualify for a Special Enrollment Period if you lose individual health coverage due to the following reasons:

• Your individual plan or Marketplace plan is discontinued.

• You lose eligibility for a student health plan.

• You no longer live in your plan’s service area and lose eligibility.

• Your individual or group health plan’s coverage year ends mid-year, and you choose not to renew it.

• Your household income decreased, making you eligible for savings on a Marketplace plan.

Important Notice:
You won’t qualify for a Special Enrollment Period if you lost coverage because you failed to provide the required documentation. Be sure to review the details on how to submit documents.

You may qualify for a Special Enrollment Period if you lost Medicaid or CHIP coverage after March 31, 2023.

You may also qualify if you lose or are denied Medicaid or CHIP coverage due to the following:

• You are no longer eligible, such as after a change in household income that makes you ineligible for Medicaid.

• Your child ages out of CHIP coverage.

• You applied for Medicaid, CHIP, or Marketplace coverage during Open Enrollment or another Special Enrollment Period and were informed you might qualify for Medicaid or CHIP. However, when your state agency later determined you weren’t eligible, Open Enrollment or your Special Enrollment Period had already ended.

You may qualify for a Special Enrollment Period if you lose premium-free Medicare Part A.

However, you do not qualify for a Special Enrollment Period if you lose:

• Medicare Part A due to non-payment of premiums.

• Medicare Part B or Part D coverage only.

You may qualify for a Special Enrollment Period if you lose health coverage provided by a parent, spouse, or other family member. This could occur due to the following reasons:

• You turn 26 (or the maximum dependent age in your state) and are no longer eligible to stay on a parent’s plan. Learn more about what happens when you turn 26.

• A family member loses their health coverage or dependent coverage.

• Divorce or legal separation.

• The death of a family member.

• You are no longer considered a dependent.

Important Notice:
You won’t qualify for a Special Enrollment Period if you voluntarily drop your dependent coverage, unless there is also a decrease in household income or a change in your coverage that makes you eligible for savings on a Marketplace plan.