QUESTION

I’m not going to be able to sign up for 2019 coverage during this year’s open enrollment because my home was damaged in a natural disaster. But I’m hoping I’ll be able to return to my home by early the next year. Can I sign up for coverage then?

Individuals with no coverage | Open and Special Enrollment Periods
ANSWER

You may be eligible for a special enrollment period based on “exceptional circumstances” since a natural disaster kept you from enrolling during open enrollment. You should contact the Marketplace Call Center (HealthCare.gov) at 1-800-318-2596 (TTY: 1-855-889-4325) when you are ready to enroll into coverage. If you are denied a special enrollment period, you can appeal the decision. (45 C.F.R. § 155.420).

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