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When does enrollment for health coverage begin?

The open enrollment period for 2017 ended December 15, 2017. You can only sign up for insurance coverage on the Marketplace during the open enrollment period, unless you qualify for a special enrollment period or are eligible for coverage under Medicaid or the Children’s Health Insurance Program (CHIP).

Here’s a partial list of qualifying life events that may allow you to enroll in Marketplace coverage during a special enrollment period:

  • Losing your insurance coverage, such as Medicaid, COBRA, or job-based insurance.

  • Family events, including getting married, losing coverage due to divorce, or becoming a parent (these changes can also affect whether you can get financial help).

  • Becoming a lawfully present immigrant or citizen.

  • Permanently moving to a new state or area with different health coverage options.

For a complete list of qualifying events that will allow you to enroll in Marketplace coverage, visit Healthcare.gov.

What does the law mean for me if I don’t have health insurance and didn't enroll by December 15, 2017?

You may have to pay a fine if you don’t have health insurance. However, there are certain circumstances that will exempt you from the penalty. For example, if your income is below a certain amount. Click here for a full list of reasons you might not have to pay the fine.

You’re required to purchase comprehensive health insurance coverage. Certain limited-benefit plans, such as Medicaid family planning-only coverage, aren’t considered comprehensive health insurance coverage, so you may have to pay a fine if you’re not fully covered.