For most people, the last day to enroll in a health is at the end of Open Enrollment for that particular year. But in some cases, you still may be able to get coverage that same year after Open Enrollment has closed.
There are three ways to get coverage outside of Open Enrollment:
If you experience a life change — like getting married, having a baby, or losing health coverage — that qualifies you for a Special Enrollment Period, you may be able to enroll in a Marketplace plan outside Open Enrollment.
If you qualify, through Medicaid or the Children’s Health Insurance Program (CHIP).
You can purchase a short term medical policy, however you may be declined due to medical conditions and may still receive a penalty for not purchasing an individual medical policy.