Open enrollment has closed for 2023 health plans. After open enrollment ends, you can't purchase a health insurance plan through Healthcare.gov unless you qualify for an exception, called a "special enrollment period" (SEP).
Do You Qualify for a Special Enrollment Period?
To get a SEP, you must show proof of what the Affordable Care Act calls a "qualifying life event." These events make you eligible for health insurance outside of open enrollment. They include:
- moving to a new state
- having a baby or adopting a child
- getting married or divorced
- leaving a job and losing your insurance
- losing coverage under your parents’ plan
- losing coverage because someone on your plan has died
- losing other types of health insurance
- gaining status as a member of an Indian tribe
- becoming an American citizen, or
- getting out of prison.
You may also qualify for a special enrollment period if you lose significant income or become eligible for new premium subsidies.
If you qualify for a SEP, you usually have 60 days to choose a new insurance plan.
To learn more, visit Healthcare.gov.
Did You Lose Medicaid or CHIP Coverage When the Pandemic Expansion Ended?
If so, there's a new SEP just for you. The federal government will initiate an "Unwinding SEP" on April 1, 2023 for those kicked off of Medicaid or CHIP due to expiring COVID-related policies. Losing Medicaid or CHIP coverage always makes you eligible for a 60-day Special Enrollment Period, but this SEP lets you enroll in an ACA plan for up to 16 months, through July 31, 2024.
Medicaid Enrollment Never Closes
States administer Medicaid for low-income families and individuals, people with disabilities, and some other adults. You can apply for Medicaid through Kentucky's health insurance marketplace or by contacting Kentucky’s Medicaid office.
You Can Buy Insurance Directly From an Insurance Company or Agent at Any Time
If you buy coverage outside the health insurance marketplace, your coverage will take effect soon after you pay your first premium, but you won’t qualify for the premium subsidies available through your state’s health insurance exchange.
Find an agent. To find help in your area, go to Find Local Help at HealthCare.gov. There, you enter your city and state or zip code to get a list of insurance agents and brokers near you.
Talk to a licensed broker. To directly connect with a Kentucky insurance broker who can help you evaluate insurance plans and choose a plan that's appropriate for your situation, call. (Please note that we receive advertising income from the licensed brokers who offer their services through this telephone number.)
You Can Buy a Health Plan From Healthcare.gov During the Next Open Enrollment Period
Kentucky Affordable Care Act (Obamacare) open enrollment for 2024 begins on November 1, 2023.