If you do not qualify for an SEP or Medicaid, you can consider these temporary or non-standard options: Qualifying life event (QLE) - Glossary | HealthCare.gov

: Gaining U.S. citizenship or leaving incarceration. 🕒 Key Deadline

: Getting married, having or adopting a baby, or a death in the family that impacts coverage. Residential moves : Moving to a new ZIP code or county.

: Losing a job-based plan, aging out of a parent's plan at 26, or losing Medicaid/CHIP eligibility.

: Some states like Connecticut, Minnesota, and New York offer year-round enrollment for specific low-income "Basic Health Programs". 3. Alternative Coverage Solutions

If you have experienced a within the last 60 days, you can enroll in a comprehensive Marketplace plan immediately. Common qualifying events include:

You typically have from the date of the qualifying event to enroll. 2. Year-Round Enrollment Options

Certain programs allow you to enroll at any time without a specific life event: