Skip to main navigation Skip to main content

Special Enrollment

Special Enrollment lets people enroll in health coverage outside of the Open Enrollment Period.
To meet the requirements for Special Enrollment, you must have a qualifying life event.
Depending on the qualifying life event type, individuals may have 60 days before or 60 days following the event to enroll in a health plan. If you qualify for Medicaid or the Kentucky Children’s Health Insurance Program (KCHIP), you may enroll anytime during the year.

What is a qualifying event?

Examples of qualifying life events are:​

• Getting married.

• Having a baby or adopting a child.

• Moving to the state (may require that you had previous coverage).

• Turning 26 and losing coverage through your parents’ plan.

• Losing your employer-sponsored insurance. This can be due to a job loss, change in

employment status, or your employer no longer offering coverage.

• Losing coverage through Consolidated Omnibus Budget Reconciliation Act(COBRA);

including when an employer stops contributing toward the COBRA premium.

• Losing other private health insurance.

• Getting divorced and losing coverage because of the divorce.

• Losing Medicaid or KCHIP.

Experiencing household income changes such as:

o Now qualifying for Payment Assistance or Special Discounts on Cost-Sharing.

o No longer qualifying for Payment Assistance or Special Discounts on Cost-Sharing.

o Estimated household income at or under 150% of the Federal Poverty Level.

​• Experiencing exceptional circumstances other than traditional qualifying life events.

Please see the Exceptional Special Enrollment Fact Sheet for more information.

Please Note: Failure to pay premiums will not qualify you for a Special Enrollment Period.