Life happens. The Open Enrollment period for the 2019 plan year has closed, but you can still buy health insurance if you have a life-changing event. Certain events, including moving, getting married, having a baby, and losing job-based coverage all make you eligible for a special enrollment period.

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When you can sign up

Almost all Coloradans can buy health insurance during the Open Enrollment period, which is between Friday, November 1, 2019 and Wednesday, January 15, 2020.

Coloradans who experience a Qualifying Life Change Event, during or outside of the Open Enrollment Period, have a 60-day window to buy or change plans. This is known as a Special Enrollment Period.

Life change events include but are not limited to: 

Family additions or changes

  • Birth of a baby, adoption of a child or placement of a child for foster care
  • Getting married
  • Death of a household member enrolled in a plan through Connect for Health Colorado

Loss of health insurance coverage

  • You lost of job-based coverage 
  • You no longer qualify for Health First Colorado (Colorado’s Medicaid program) 
  • You no longer qualify for Medicare Part A
  • You are turning 26 and aging off your parent’s plan
  • Your student health plan ended

Move or change in permanent  residence

  • Move to Colorado
  • Move to a new permanent address- certain conditions apply  
  • Leaving incarceration
  • Gain of lawful presence (i.e. legally living in the United States according to federal immigration laws)

Changes to income (for current enrollees only)

  • Changes in your income that affect the amount of Cost-Sharing Reductions (lower out-of-pocket costs) you qualify for
  • Changes in your income that make you newly qualify for Premium Tax Credit (lower monthly costs)
  • Changes in your income that make you no longer qualify for the Premium Tax Credit (lower monthly costs)

See whether your new income makes newly eligible for financial help »

Report changes in your household

Report changes in your household size, income, or address within 30 days of the change. We will let you know if you qualify for a Special Enrollment Period as soon as you submit your application.

Proof of your Qualifying Life Change Event

After you sign up for a plan during your Special Enrollment period, your health insurance company may ask you to show proof of the Qualifying Life Change Event.

Here is a guide on how to verify your special enrollment period »

Special Enrollment for members of federally-recognized tribes

Members of federally-recognized tribes (and their household members on the same application) can change plans or sign up for a new plan once per month.