Some life changes trigger what is called a "special enrollment" period. Special enrollment lets you get or change your health coverage outside of open enrollment. The special enrollment period lasts 31 days from the date of a triggering event for a qualified individual or their dependents.
Examples of Qualifying Life Events
A change in your household size
Having a baby
Adopting a child or placing a child for adoption or foster care
Death of family member (causing you to lose eligibility in your current plan)
Losing your health coverage
Losing job-based coverage for any reason, including resigning, getting laid off, or getting fired
Expiration of COBRA coverage
Losing coverage under your parents' plan at age 26
Getting divorced or legally separated (resulting in loss of coverage)
Losing eligibility for Medicaid or the Children's Health Insurance Program (CHIP)
Note: Losing coverage that doesn't qualify as minimum essential coverage doesn't qualify you for a Special Enrollment Period. Learn more at HealthCare.gov.
A change in circumstance
Permanently moving outside your plan's coverage area
A change in income (affecting eligibility for premium tax credits or cost-sharing reductions)
A change in status
Gaining citizenship or lawful presence in the U.S.