Pick the situation that applies:
- Will lose coverage in the next 60 days
- Lost coverage in the past 60 days
- Lost Medicaid or CHIP in the past 90 days
If none of these apply to anyone in your household, return to the application and don't select any names on the screens about losing coverage.
Will lose coverage in the next 60 days
Select the name of anyone losing health coverage in the next 60 days. We're asking because losing coverage may qualify for a Special Enrollment Period.
Don't select a name if:
- Their coverage will stop at the end of the plan year, December 31.
- Their Medicare coverage will start in the next 60 days.
- They're newly required to pay Part A premiums and drop Medicare.
- They're choosing to drop coverage.
- They're losing coverage due to not paying premiums.
Coverage loss details
Select the type of coverage you're losing:
- Job-based coverage
Choose the name of anybody who will lose coverage in the next 60 days through their (or a family member's) employer, including if:
- The employer stops offering coverage.
- They're losing coverage because they're leaving a job (no matter why they leave).
- Their work hours are reduced, causing them to lose job-based coverage.
- The job-based plan stops offering qualifying health coverage so they become newly eligible for a premium tax credit. (Qualifying job-based health coverage meets the definitions of affordable and minimum value. Ask the employer to complete the Employer Coverage Tool (PDF) to see if the plan meets the requirements.)
- The job-based health plan is a non-calendar year plan, and they choose not to renew it when it ends in the next 60 days. This qualifies them for a Special Enrollment Period, but not a premium tax credit. (They may qualify for the credit only if the job-based plan isn't considered qualifying health coverage.)
- COBRA coverage
Choose the name of anybody who will lose COBRA coverage in the next 60 days because:
- The COBRA coverage runs out (but don't select their name if they’re ending the COBRA coverage early).
- The former employer will stop contributing to the COBRA coverage, and the person will have to pay the full cost.
- Marketplace or other plan you bought yourself
Select the name of anyone who in the next 60 days will lose health coverage they bought themselves, through the Marketplace or elsewhere, including if:
- The individual or family plan will be discontinued (no longer exist).
- They lose eligibility for a plan because they'll no longer live in the plan's service area.
- The health plan coverage year is ending in the middle of the calendar year and they choose not to re-enroll in it then.
Important: Losing coverage doesn’t qualify for a Special Enrollment Period if you lose Marketplace coverage because you don't submit documents for the Marketplace to resolve a data-matching issue.
- Coverage ending at age 26
If a child is covered by a job-based plan or a Marketplace plan, they qualify for a Special Enrollment Period when they lose coverage when turning 26. Select the name of any child who will age off a plan in the next 60 days.
- Job-based plans usually end coverage the month the child turns 26. But check with the employer or plan. Some states and plans have different rules.
- If the child has coverage through a Marketplace plan, the child can remain covered through December 31 of the year the child turns 26 (or the age permitted in your state).
- Medicaid or the Children's Health Insurance Program (CHIP)
Select the name of anyone who will lose Medicaid or CHIP (Children's Health Insurance Program) in the next 60 days because:
- They're no longer eligible. For example, their income may change, making them ineligible for Medicaid.
- A child will age off CHIP (depending on state rules).
- Medicare
Select the name of anyone who in the next 60 days will lose Medicare when they become no longer eligible for premium-free Medicare Part A (Hospital Insurance).
Don't select their name if:
- They lose Medicare Part A because they didn't pay the Medicare premium.
- They lose only Medicare Part B (Medical Insurance), Part C (Medicare Advantage), or Part D (Medicare prescription drug coverage).
Note: Someone who has Medicare can't drop it to buy a Marketplace plan instead. (One exception: If you're paying a premium for Part A, you can drop it and enroll in a Marketplace plan instead.)
- Other kinds of health coverage
Select the name of anyone losing any of these kinds of coverage in the next 60 days for any reason (except non-payment of premiums):
- Some student health plans (check with the school to see if the plan counts as qualifying health coverage)
- Veterans health care
- TRICARE
- Peace Corps coverage
- Losing coverage through a family member due to job or household changes
Select the name of anyone losing coverage in the next 60 days that they have through a parent, spouse, or other family member. This might happen if they:
- Lose job-based health coverage through a family member’s employer because that family member loses health coverage and/or loses coverage for dependents.
- Lose health coverage through a spouse due to a divorce or legal separation.
- Lose coverage due to the death of a family member.
- Lose coverage through a parent or guardian because they’re no longer a dependent.
Remember: Losing coverage as a dependent doesn't qualify for a Special Enrollment Period if coverage is dropped voluntarily.
Lost coverage in the past 60 days
Select the name of anyone who lost health coverage in the past 60 days. We’re asking because losing coverage may qualify for a Special Enrollment Period.
Don't select a name if:
- They chose to drop coverage.
- They lost it due to not paying premiums.
Coverage loss details
Select the type of coverage you lost:
- Job-based coverage
Choose the name of anybody who lost coverage in the past 60 days through their (or a family member’s) employer, including if:
- The employer stopped offering coverage.
- They left a job (no matter why they left).
- Their work hours were reduced, causing them to lose coverage.
- The job-based plan stopped offering qualifying health coverage so they become newly eligible for a premium tax credit. (Qualifying job-based health coverage meets the definitions of affordable and minimum value. Ask the employer to complete the Employer Coverage Tool (PDF) to see if the plan meets the requirements.)
- The job-based health plan was a non-calendar year plan, and they chose not to renew it when it ended in the past 60 days. This qualifies them for a Special Enrollment Period, but not a premium tax credit. (They may qualify for the credit only if the job-based plan isn't considered qualifying health coverage.)
- COBRA coverage
Choose the name of anybody who lost COBRA coverage in the past 60 days because:
- The COBRA coverage ran out (but not if they voluntarily ended COBRA coverage early).
- The former employer stopped contributing to the COBRA coverage, and the person had to pay the full cost.
- Marketplace or other health plan you bought yourself
Select the name of anyone who in the past 60 days has lost health coverage they bought themselves, through the Marketplace or elsewhere, including if:
- The plan was discontinued (no longer exists).
- They lost eligibility for a plan because they no longer live in the plan’s service area.
- The health plan coverage year ended in the middle of the calendar year and they chose not to renew it then.
Important: Losing coverage doesn’t qualify for a Special Enrollment Period if you lost Marketplace coverage because you didn't submit documents for the Marketplace to resolve a data-matching issue.
- Coverage ending at age 26
If your child was covered by your job-based plan or a Marketplace plan, the child qualifies for a Special Enrollment Period when they lose coverage when turning 26. Select the name of any child who aged off a plan in the past 60 days.
- Job-based plans usually end coverage the month the child turns 26, but check with the employer or plan. Some states and plans have different rules.
- If the child’s on a Marketplace plan, the child can remain covered through December 31 of the year the child turns 26 (or the age permitted in your state).
- Medicare
Select the name of anyone who in the past 60 days dropped Medicare when they became no longer eligible for premium-free Medicare Part A (Hospital Insurance).
Don't select their name if:
- They lost Medicare Part A because of they didn’t pay the Medicare premium.
- They lost only Medicare Part B (Medical Insurance), Part C (Medicare Advantage), or Part D (Medicare prescription drug coverage).
Note: Someone who has Medicare can’t drop it to buy a Marketplace plan instead (One exception: If you’re paying a premium for Part A, you can drop it and enroll in a Marketplace plan instead.)
- Other kinds of health coverage
Select the name of anyone who lost any of these kinds of coverage in the past 60 days for any reason (except non-payment of premiums):
- Some student health plans (check with the school to see if the plan counts as qualifying health coverage)
- Veterans health care
- TRICARE
- Peace Corps coverage
- Losing coverage through a family member due to job or household changes
Select the name of anyone who in the past 60 days lost coverage they had through a parent, spouse, or other family member. This might happen if they:
- Lost job-based health coverage through a family member’s employer because that family member lost health coverage and/or lost coverage for dependents.
- Lost health coverage through a spouse due to a divorce or legal separation.
- Lost coverage due to the death of a family member.
- Lost coverage through a parent or guardian because they’re no longer a dependent.
Remember: Losing coverage as a dependent doesn’t qualify for a Special Enrollment Period if coverage is dropped voluntarily.
Lost Medicaid or CHIP coverage in the past 90 days
Select the name of anyone who lost Medicaid or Children's Health Insurance Program (CHIP) in the past 90 days because:
- They're no longer eligible. For example, their income may have changed, making them ineligible for Medicaid.
- A child aged off CHIP (depending on state rules).