The Open Enrollment period for new coverage is now closed. During the annual open enrollment period (October thru January), you may change your benefit plan or signup for health care coverage.

Outside of this open enrollment period, you can enroll or change your coverage only if you have experienced a qualifying life event. This special enrollment period lasts 60 days after the qualifying life event occurs.

Applicable qualifying life event:

Loss of coverage

You lose your Minimum Essential Coverage under an employer health benefit plan as a result of

  • Termination of employment
  • Change in employment status
  • Termination of the other plan’s coverage
  • The death of or divorce or legal separation from the person through whom you were covered as a dependent
  • Exhaustion of COBRA continuation coverage

Your individual plan, Medicare, Medi-Cal, or other government-sponsored coverage ends.

You are a member of the United States military returning from active duty or a member of the California National Guard returning from active duty service under Title 32 of the United States Code.

Court order

A court has ordered coverage for your spouse or minor child.

Permanent relocation
  • You moved outside the service area of your existing carrier
  • You gained access to new health benefit plans as a result of a permanent move
  • You were released from incarceration
Eligible American Indian/Native Alaskan

You or your eligible dependent are an Indian, as defined in Section 4(d) of the Indian Self-Determination and Education Assistance Act (Pub.L. 93-638), and have not changed health plans in the last month (Indians may change plans monthly).

Misinformed about Minimum Essential Coverage

You demonstrate to Covered California, with respect to health benefit plans offered through Covered California, that you or your eligible dependent did not enroll in a health benefit plan during the last available Open Enrollment Period because you were misinformed that you were covered under Minimum Essential Coverage.

Provider network changes

You are receiving services under Continuity of Care and the provider of those services is terminated from or otherwise ceases participation in your health plan.

Immigration status change

You gained citizenship, became a national or otherwise became lawfully present.

Change in eligibility for financial assistance through Covered California

You are newly eligible or ineligible for Advance Payments of Premium Tax Credit under federal law, or are newly eligible or ineligible for cost sharing reduction as determined by Covered California.

Note: Allows special enrollment only to Covered California plans.

Determination by Covered California

You qualify for an exceptional circumstance as established by Covered California.

Your non-enrollment, or the non-enrollment of your eligible dependent is unintentional, inadvertent, or erroneous and is the result of the error, misrepresentation, or inaction of Covered California or the California Health and Human Services Agency as determined by Covered California.

Note: Allows special enrollment only to Covered California plans.

Please note:  The effective date of coverage for late enrollment under this section will be determined by in accordance with state and federal law.

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