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If you missed the January 15 deadline for Marketplacea coverage for 2023, you may still have options. You might qualify for a Special Enrollment Period, or you can apply for health coverage through Medicaid or the Children’s Health Insurance Program (CHIP).

If you qualified for a Special Enrollment Period but missed your deadline to enroll in coverage because you were impacted by the COVID-19 emergency, you may be eligible for a Special Enrollment Period.
If you or anyone in your household lost qualifying health coverage in the past 60 days (or more than 60 days ago but since January 1, 2020) OR expects to lose coverage in the next 60 days, you may qualify for this Special Enrollment Period through the application.

Changes in household

You may qualify for a Special Enrollment Period if in the past 60 days you or anyone in your household:
  • Got married. Pick a plan by the last day of the month and your coverage can start the first day of the next month.
  • Had a baby, adopted a child, or placed a child for foster care. Your coverage can start the day of the event — even if you enroll in the plan up to 60 days afterward.
  • Got divorced or legally separated and lost health insurance. Note: Divorce or legal separation without losing coverage doesn’t qualify you for a Special Enrollment Period.
  • Died. You’ll qualify for a Special Enrollment Period if someone on your Marketplace plan dies which causes you to lose your current health plan.

Changes in residence

You may qualify you for a Special Enrollment Period if you move to:
  • New home in a new ZIP code or county
  • The U.S. from a foreign country or United States territory
Or, move to or from:
  • Place you attend school (if you’re a student)
  • Place you both live and work (if you’re a seasonal worker)
  • Shelter or other transitional housing
Moving only for medical treatment or staying somewhere for vacation doesn’t qualify you for a Special Enrollment Period.
You must prove you had qualifying health coverage for one or more days during the 60 days before your move. You don’t need to provide proof if you’re moving from a foreign country or United States territory. You may qualify for a Special Enrollment Period if you lost:
Employer Based Coverage
Medicaid/CHIP eligibility
Turning 26
https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/