Find out if you can enroll or change your health plan outside of open enrollment

You may be eligible to enroll in a new health plan outside of open enrollment if you experience life changes such as getting married, having a baby or moving. There’s a 60-day “special enrollment” period for those qualifying life events.

Open enrollment for individual and family health plans begins November 1, 2017 and ends January 31, 2018.

Special enrollment is available for those who meet special criteria to newly enroll or change their coverage outside of open enrollment. Read more about qualifying life events below.

Newly married: Planning to tie the knot? Getting married is a qualifying life event. If you or your spouse is uninsured, this is your chance to enroll in a new plan. Already have coverage? You may want to explore your new options as newlyweds. Together you may qualify for financial assistance (based on income) if you apply for a Marketplace plan.

New parent: Expecting a baby or adopting a child? When you welcome a child into your family, you have the opportunity to add the child to your health plan or choose a new plan for you and your family during a special enrollment period. Based on your income and family size, your family may also become eligible for financial assistance in a Marketplace plan.

Just moved: Did you move outside of the service area of your health plan? Welcome to the neighborhood! You may be eligible to get a new health plan that’s close to home.

Job change: Have you experienced a recent job loss or reduced employment hours? If you lost your job-based coverage for any reason (including quitting your job or changing to a part-time position), you may be eligible to enroll during a special enrollment period.

Happy 30th birthday: If you are turning 30 it’s time to graduate to your own health plan! If you age off a parent’s plan (meaning you’re no longer eligible to be covered as a dependent), you can enroll in your own plan so you don’t have a gap in coverage.

Other circumstances: If you’re already enrolled in a Marketplace plan, having a change in income or household status that affects eligibility for premium tax credits or cost-sharing reductions may allow you to make changes under special enrollment. If your coverage ends due to a divorce, COBRA expiration, loss of eligibility for Medicaid or Child Health Plus, or you experience other more complex circumstances, you may be eligible for a new plan. Note: Voluntarily ending coverage or losing coverage that doesn’’t qualify as minimum essential coverage DOES NOT qualify you for a special enrollment period. If you lose coverage because your premiums are not paid on a timely basis, the next opportunity to sign up will be during the next open enrollment period.

If you’re unsure whether or not you qualify for a special enrollment period, please contact MVP at 1-800-TALK-MVP (825-5687) to learn more about your options.

Discover what MVP has to offer:

  • Free preventive care for many services provided in-network
  • Choice of doctors, hospitals and specialists you know and trust
  • Healthy lifestyle benefits
  • Top-rated customer service
  • Proven track record serving families in your community for over 30 years

We can help you find the right plan for you or your family today.

You can also see which plans are available in your area using the convenient Find a plan tool.

Enrollment and payment must be complete within 60 days of the qualifying event in order for you to be enrolled. If you enroll because you lost minimum essential coverage or because you got married, your coverage will begin on the first day of the month following your loss of coverage or marriage.