QUESTION

My income has gone down and I think I may now qualify for cost-sharing reduction subsidies in the health insurance marketplace. Do I have to wait for an open enrollment period before I can enroll?

Individuals with no coverage | Open and Special Enrollment Periods
ANSWER

It depends. If you are currently enrolled in a marketplace plan and become newly eligible for cost-sharing reduction subsidies (CSRs), or if you’ve had a change in eligibility for CSRs, you qualify for a special enrollment so long as you apply within 60 days of your change in status. If you are newly eligible for CSRs, you may enroll in either a silver plan or within the same metal level as your current plan. (45 C.F.R. § 155.420).

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