Health Insurance Options Outside of Open Enrollment

The Illinois Department of Insurance reminds consumers that help is available for people losing job-based health insurance. The ACA Health Insurance Marketplace offers a Special Enrollment Period.

Press Release May 29, 2020 

Special Enrollment Image

Open enrollment is over, but certain life events may qualify you for a Special Enrollment Period.

If you're:

  • Losing your health coverage
  • Moving to a new ZIP code or county
  • A student moving from the place they attend school
  • Getting married
  • Got divorced or legally separated and lost health insurance
  • Having a baby
  • Adopting a child
  • On a Marketplace plan with someone who dies and as a result, you're no longer eligible fir your current health plan
  • If you are no longer eligible for Medicaid or the Children's Health Insurance Program (CHIP)
  • Becoming a U. S. citizen
  • Leaving incarceration
  • Starting or ending service as an AmeriCorps State and National, VISTA, or NCCC member

If you qualify for a Special Enrollment Period, you usually have up to 60 days following the event to enroll in a plan. However, If you miss this time period, you will have to wait until the next Open Enrollment Period to apply.

When you apply, you may be required to prove your eligibility to enroll based on the life event you experience.


If you lost your job-based health insurance, you may qualify for a Special Enrollment Period (SEP)

PDF English | Chinese | Polish | Spanish | Tagalog

ACA Marketplace, Medicaid and other health insurance programs

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Health insurance contact information (websites/phone numbers)

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Qualifying for a Special Enrollment Period to Enroll in a Health Insurance Plan
If you recently lost your health insurance coverage through your job, you may qualify for a Special Enrollment period. Learn more. 

Si perdió su cobertura de seguro de salud, puede calificar para un período de inscripción especial
Si usted recientemente ha perdido su cobertura de seguro de salud a través de su trabajo o empleador, puede calificar para un período especial de inscripción. El Director del Departamento de Seguros de Illinois, Robert Muriel, explica más. 

Q&A on Special Enrollment Periods w/ Rep. Thaddeus Jones and Sen. Napoleon Harris