Open Enrollment happens once a year, from November 1 to January 31. It is typically the only time you can enroll in coverage unless you have a qualifying life event or meet a certain income level.

Certain life-changing events such as getting married, moving to a new coverage area, or losing job-based health coverage qualify you for a Special Enrollment Period (SEP). Some life events, such as pregnancy, having a baby, or adoption qualify you for an SEP and allow you to enroll in coverage with an earlier effective date. Certain life-changing events also allow consumers to make changes to their current coverage.

A Special Enrollment Period is also available for consumers based on yearly household income. Consumers with an annual income up to 200% of the Federal Poverty Level ($29,160 for an individual or $60,000 for a family of four in 2024) can now qualify for a Special Enrollment Period and can access nearly free health plans throughout the year.

If you qualify for an SEP, you usually have up to 60 days after the event to enroll or change your plan.

(Note: You can enroll in NJ FamilyCare, the state’s publicly funded health insurance program with free or low-cost health coverage, any time of year.)