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ACA individual & family plan enrollment details

Can I get coverage after Open Enrollment?

Health care answers in 60 seconds.


When can you change your health insurance?


Typically, you sign up for a new health plan during open enrollment.


But you may also change your plan under special circumstances called qualifying life events.


Here are common events...


Loss of insurance.


If you lose coverage because you’ve aged out of your parents’ plan, lost your job, or switched your job, you qualify.


Change in household.


If you get married, have a baby, or when the number of people in your family changes, you qualify.


Health care question answered.

Can I get coverage after Open Enrollment?

Yes! You may qualify for a Special Enrollment Period if you’ve had a big life change or one coming up. Some examples include losing your health plan or getting married. Or turning 26, when you can’t be on your parent’s health plan anymore.*  These qualifying life events — and others — let you sign up for a health plan outside the ACA Open Enrollment Period.


At risk of losing Medicaid coverage? We’re here to help.

You may qualify for a no or low-cost Aetna CVS Health™ plan. You may be able to get a subsidy. This can greatly lower your monthly premium or even give you a $0 premium**. Enter your ZIP code to explore plan options.


Start here to find a plan


Mark your calendar for 2024!

The top insurance terms you’ll want to know

Insurance isn’t all that complicated. It just feels that way at first. Let’s go over the top terms you might see during enrollment. 

Get your questions answered fast


Talk with a licensed agent


Our trained agents are ready to help you choose the right plan for your needs.


1-844-383-6129 (TTY: 711)

Call Monday — Friday, 8 AM to 9 PM ET.


Sign up for updates


We’ll share information about our plans, and how you can qualify for a Special Enrollment Period.

All fields marked with an asterisk (*) are required.


*Your dependent child may continue coverage if your child is disabled, or in school and on a leave of absence.
**Exclusions and limitations may apply.  

Legal notices

Health plans are offered or underwritten or administered by Aetna Health of California Inc., Coventry Health Plan of Florida, Inc., Aetna Health Inc. (Florida), Aetna Health Inc. (Georgia), Aetna Life Insurance Company, Aetna Health of Utah Inc., Aetna Health Inc. (Pennsylvania), or Aetna Health Inc. (Texas) (Aetna). Aetna and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are part of the CVS Health® family of companies.

Health benefits and health insurance plans contain exclusions and limitations.