2021 Health Insurance through the Federal Marketplace

Posted on December 18, 2020

2021 Health Insurance is available

Outside of the Federal Marketplace Open Enrollment period, you may apply for health insurance in the following ways:

1.      Through Medicaid or the Children's Health Insurance Program (CHIP). You may apply any time and will be enrolled in a QUEST Integration health plan if you're eligible.

2.      Through the Federal Marketplace at www.healthcare.gov via a Qualifying Life Event in the past 60 days which will allow applicants a Special Enrollment Period. 

Qualifying Life Event: Is a change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a Special Enrollment Period, allowing you to enroll in health insurance outside the yearly Open Enrollment Period.

There are 4 basic types of qualifying life events. (The following are examples, not a full list.)

Loss of health coverage

  • Losing existing health coverage, including job-based, individual, and student plans
  • Losing eligibility for Medicare, Medicaid, or CHIP
  • Turning 26 and losing coverage through a parent’s plan

Changes in household

  • Getting married or divorced
  • Having a baby or adopting a child
  • Death in the family

Changes in residence

  • Moving to a different State or from another State or Country
  • A student moving to or from the place they attend school
  • A seasonal worker moving to or from the place they both live and work
  • Moving to or from a shelter or other transitional housing

Other qualifying events

  • Changes in your income that affect the coverage you qualify for
  • Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
  • Becoming a U.S. citizen
  • Leaving incarceration (jail or prison)
  • AmeriCorps members starting or ending their service

If you do not qualify for Medicaid or CHIP and would like to see if you can get 2021 health insurance through the Federal Marketplace click here.

Modified on December 16, 2020
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