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
Medically confirmed Pregnancy
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
Is offered employer sponsored insurance that is deemed unaffordable
Experiencing household income changes such as:

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