Yes you can apply now. HealthCare.gov and all state Marketplaces allow a special enrollment opportunity when people lose other coverage, including job-based coverage.

In general, you have 60 days following the loss of other job-based coverage to apply for a special enrollment opportunity through the Marketplace. If you have advance notice of your coverage loss, you can apply for the special enrollment opportunity up to 60 days in advance.

After you complete your application, you may be asked to send documents to confirm you qualify for the special enrollment period in your Marketplace Eligibility Notice. If you are asked to submit documentation, you will be allowed to select a plan, but will not be able to use your coverage until you confirm your eligibility and make your first premium payment.

After signing up for a Marketplace plan during this special enrollment opportunity, your coverage will take effect on the first day of the following month, even if you made your selection after the 15th of the month. For example, if you will lose coverage starting on March 7 and select your Marketplace plan on February 18, your new coverage will begin on March 1. This federal rule on coverage effective dates for SEPs was formerly applicable to only Healthcare.gov enrollees, but starting in 2025 it will be extended to State-based Marketplace enrollees.

Navigators are available to help people through this process. You can find the program closest to you at Find Local Help.