Still Need Coverage for 2015?






SEE IF YOU CAN GET 2015 COVERAGE - Call Us Today (561) 214-4600


  • If you have certain life changes – like having a baby, getting married, or losing health coverage—you may qualify for a Special Enrollment Period. If you do, you can enroll in a Marketplace plan outside the annual Open Enrollment period. Learn about Special Enrollment Periods.

  • You may be able to enroll in coverage through Medicaid and the Children’s Health Insurance Program (CHIP). There’s no limited enrollment period for these programs, which provide free or low-cost health coverage to millions of Americans. You can apply any time. If you qualify you can enroll immediately, any time of year.Learn how to apply for Medicaid and CHIP.


Small businesses can apply for SHOP coverage for their employees any time, all year.


Members of federally recognized tribes and Alaska Native shareholders can enroll in Marketplace coverage any time of year. There’s no limited enrollment period for members of these groups, and they can change plans as often as once a month.

If none of these options works for you, you can enroll in 2016 health coverage during the next Open Enrollment period. The Open Enrollment period for 2016 is November 1, 2015 to January 31, 2016.


2016 Open Enrollment Period


The period of time during which individuals who are eligible to enroll in a Qualified Health Plan can enroll in a plan in the Marketplace. For coverage starting in 2016, the Open Enrollment Period is November 1, 2015–January 31, 2016. Individuals may also qualify for Special Enrollment Periods outside of Open Enrollment if they experience certain events. (See Special Enrollment Period and Qualifying Life Event)


You can apply for Medicaid or CHIP, at any time of the year.


Important dates for 2016 enrollment:

  • November 1, 2015: Open Enrollment starts — first day you can enroll in a 2016 Marketplace plan

  • January 1, 2016: First date 2016 coverage can start

  • January 31, 2016: 2016 Open Enrollment ends


If you don’t enroll in a 2016 plan by January 31, 2016, you can’t enroll in a health insurance plan for 2016 unless you qualify for a Special Enrollment Period.


Medicaid, CHIP, and SHOP – apply any time

  • There’s no limited enrollment period for Medicaid or the Children’s Health Insurance Program (CHIP). You can apply any time.

  • There’s also no limited enrollment period for small businesses to enroll in SHOP coverage for their employees. You can apply any time.

The Open Enrollment Period for 2015 coverage is over. You can still get coverage two ways:


  • If you qualify for a Special Enrollment Period due to a life change like marriage, having a baby, or losing other coverage

  • Through Medicaid and the Children’s Health Insurance Program, which provide coverage to families and individuals with limited income or other reasons.

  • If you apply: Gather everything you need before you call or log in (PDF)





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Bridge the gaps in health insurance coverage!

When a life change leaves you without health insurance, you need coverage to get you through the transition period. With a short-term health insurance plan from Golden Rule Insurance Company, a UnitedHealthcare company, you can select the length of time (1 to 11 months in many states) and choose from a range of available deductible amounts and payment options. And when your needs change, you have the flexibility to drop your coverage at any time without a penalty.