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Getting Health Insurance Outside of Open Enrollment

If you missed the Open Enrollment Period, there are two ways you can get coverage: 1) through the Special Enrollment Period or 2) if you are not eligible for the Special Enrollment Period, getting a Non-Government Plan.

The Special Enrollment Period

If you have a Qualifying Life Event, or certain life changes, you will be eligible for the Special Enrollment Period. This eligibility is the only way you can get a Government Plan outside of Open Enrollment.

The following are considered Qualifying Life Events:

  • Loss of health coverage in the past 60 days or in the next 60 days.
  • A new marriage.
  • A divorce that caused you to lose your health coverage.
  • Birth of a child.
  • Adoption of a child or having a foster child placed in your home.
  • A death in your household.
  • Living outside your current health plan’s coverage area (e.g., if you moved to a new state).
  • A change in household income.
  • Became a U.S. citizen.
  • A prolonged illness that required hospitalization.
  • A temporary cognitive disability.
  • An enrollment error made by an insurer, government entity, or insurance agent.
  • Released from prison or detention.
  • Suffered from a natural disaster.

Non-Government Plans

If you missed Open Enrollment and do not have a Qualifying Life Event, it is recommended that you enroll in a Non-Government Plan. Non-Government Plans, often referred to as “Private Insurance” or “Short Term Plans,” are meant to provide you with health coverage until the next Open Enrollment.

You can learn more about Non-Government Plans here.

If you are unsure if you have a Qualifying Life Event or if you can obtain a Non-Government Plan, we can help determine your eligibility. Please enter your zip code and fill-out the 1-page form. You can also call (844) 992-2717 to speak to an agent.

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(844) 992-2717

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Los Angeles, CA 90017 is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, or through its designated agent, Martin Petoyan, only where licensed and appointed. License numbers are available upon request and are provided where required by law. Martin Petoyan's residence state is California, where his license number is 0H96813. QuoteLab's license information can be found at

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at or consult

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.