You may be eligible to enroll in a new health plan outside of open enrollment if you experience certain life changes. There’s a 60-day “special enrollment period” for the following qualifying life events:
Newly married: This is your chance to add your new spouse to your health plan! Even if you both already have coverage, you may want to explore your options as newlyweds. Together, you may qualify for financial assistance (based on income) if you apply for an Exchange plan.
New parent: When you welcome a child into your family by birth or adoption, you have the opportunity to add the child to your health plan. Based on your income and family size, your family may also be eligible for financial assistance in an Exchange plan through Vermont Health Connect.
Move to Vermont: If you move to Vermont and outside the service area of your current health plan, you may be eligible to get a new health plan that is closer to home.
Job change: If you lost your job-based coverage for any reason (including quitting your job or changing to a part-time position), you may qualify for a special enrollment period.
Your 26th birthday: When you turn 26 or “age off” a parent’s plan (meaning you are no longer eligible for coverage as a dependent), you can enroll in your own plan so you don’t have a gap in coverage.
Income change: If you are enrolled in an Exchange plan, a change in income or household status that affects eligibility for premium tax credits or cost-sharing reductions may allow you to make changes to your health plan.
Other Circumstances: Loss of coverage due to a divorce, COBRA expiration, loss of eligibility for Medicaid or Dr. Dynasaur, or other, more complex circumstances. 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, you will need to wait until the next open enrollment period.
If you are unsure whether you qualify for a special enrollment period, please contact MVP at 1-800-TALK-MVP (825-5687) to learn more about your options.