Need a New Plan in 2026?

Some common household changes that qualify you are:

• Having or adopting a child or gaining a dependent through court-order
• The passing of a policy holder
• Getting married or declaring a civil union
• Separating or divorcing your spouse

Here are some changes to your job that qualify you to pick new coverage:

• Having an annual individual or household income at or below 150% of the federal poverty level 
• Losing or changing your job or losing COBRA coverage
• A change in income or household status
• You retired early but aren't yet eligible for Medicare
• An employer offering help with your plan costs (through an ICHRA or QSEHRA )

Here are some moves that qualify you for a Special Enrollment Period:

• Moving to a new area with different plans or network
• Moving to a new area that affects your plan's cost
• Moving to or from a place you attend school, live or work as a seasonal worker or live in for transitional or shelter housing

If you lose your coverage, you may be able to enroll in a new plan²:

• Turning 26 and losing coverage under your family member’s policy
• Losing or getting denied for Medicaid or the Children’s Health Insurance Program (CHIP) coverage

• Your health care coverage ending on a date other than December 31st of the current plan year
• Becoming a U.S. citizen³
• A health insurance company violating its contract with you
• Becoming a member of an American Indian or Alaska Native tribe³
• Experiencing an error or other issue when trying to enroll