You may have more time to sign up for Marketplace coverage if you have lost Medicaid due to the end of Medicaid continuous enrollment, commonly referred to as the “Medicaid unwinding.” People eligible for Marketplace coverage who live in HealthCare.gov states and who lose Medicaid coverage can sign up for a Marketplace plan and enroll at any time between March 31, 2023, and November 30, 2024. You are not limited to the HealthCare.gov annual enrollment period to enroll. If you use this new unwinding special enrollment period (“Unwinding SEP”), you will have 60 days from the date that you submit your HealthCare.gov application to make a plan selection.

Additionally, when the Unwinding SEP ends in Healthcare.gov states, the existing special enrollment period due to loss of Medicaid or CHIP will be extended from 60 days to 90 days, which means consumers will have up to 90 days after loss of Medicaid or CHIP to enroll in Marketplace coverage. If you do not apply for Marketplace coverage within this timeframe, then you may have to wait until the next Open Enrollment to enroll in Marketplace coverage.

Also, people who are eligible for premium tax credits and who have income up to 150% of the poverty level ($22,590 for an individual/$38,730 for a family of 3 in 2025) can sign up for Marketplace coverage at any time.

States that run their own Marketplaces can also choose to offer these special enrollment opportunities; however, the deadlines for applying for Marketplace coverage and making a plan selection may differ. For a list of state Marketplace types and more information, click here. You can also contact your state Marketplace or a Navigator or assister for more information.