The Navigator Resource Guide has not been updated for 2025 Open Enrollment. For more current information please visit:
cms.gov/marketplace/in-person-assisters/information-partners.
QUESTION

I just got married and my spouse and I want to get Marketplace coverage. Do we qualify for a special enrollment period?

Individuals with no coverage | Open and Special Enrollment Periods
ANSWER

Probably, as long as you or your spouse had minimum essential coverage at least one day during the 60 days prior to your marriage (this requirement does not apply if at least one spouse lived abroad for one day or more during the last 60 days, or is an American Indian or Alaskan Native). Also, if either of you have current Marketplace coverage, your plan selection is limited to adding a spouse to the current Marketplace plan or enrolling the new spouse in a separate plan. The current Marketplace enrollee cannot use the special enrollment to change plans. (45 C.F.R. § 155.420; CMS, Special Enrollment Periods (SEPs) Information.)

Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues