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When can I enroll in or change my health insurance plan?

Learn about the ACA Open Enrollment dates and the specific "Qualifying Life Events" that allow you to change your health insurance mid-year.

You can enroll during Open Enrollment (Nov 1 – Jan 15).

Outside of this window, you must qualify for a Special Enrollment Period triggered by a life event—such as losing your job, moving, or getting married.

  • Important: You generally have 60 days from the date of the event to enroll. Missing this window usually means waiting until the next Open Enrollment.