I am uninsured and worried about the COVID-19 pandemic. Can I enroll in insurance now, or do I have to wait for the next Open Enrollment Period?

Individuals with no coverage | Navigating Health Insurance Marketplace Options Open and Special Enrollment Periods Coverage Outside the Marketplace

It depends. Some states have opened special enrollment periods for those who are currently uninsured amid the COVID-19 pandemic. To see if your state has opened a special enrollment period, see this state-by-state map.

Note that you may also be eligible for a special enrollment period if you meet certain criteria, like losing job-based health insurance or moving. For more information, see our FAQ on special enrollment periods.

If you are ineligible for or miss a special enrollment period, you must wait for the next Open Enrollment Period to sign up for health insurance. Note that if your income is below 138 percent of the federal poverty level, you may be eligible for Medicaid benefits depending on the state you live in. Check with your state’s marketplace or Medicaid agency to determine if you are eligible for Medicaid. Medicaid and CHIP do not restrict enrollment to a specified open enrollment time period; if you are eligible you can enroll at any time throughout the year.

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