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Getting Health Insurance Outside of Open Enrollment

Have you lost coverage and missed open enrollment period?  Certain events can qualify you to obtain coverage outside of open enrollment.

You may qualify for a Special Enrollment Period if you or anyone in your household in the past 60 days:

-Got married. Pick a plan by the last day of the month and your coverage can start the first day of the next month.

-Had a baby, adopted a child, or placed a child for foster care. Your coverage can start the day of the event — even if you enroll in the plan up to 60 days afterward.

-Got divorced or legally separated and lost health insurance.


Changes in residence, household moves that qualify you for a Special Enrollment Period:

-Moving to a new home in a new ZIP code or county

-Moving to the U.S. from a foreign country or United States territory

-A student moving to or from the place they attend school

-A seasonal worker moving to or from the place they both live and work

-Moving to or from a shelter or other transitional housing

More qualifying changes, other life circumstances that may qualify you for a Special Enrollment Period:

Changes that make you no longer eligible for Medicaid or the Children’s Health Insurance Program (CHIP)

Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder

Becoming newly eligible for Marketplace coverage because you became a U.S. citizen
Leaving incarceration

AmeriCorps State and National, VISTA, and NCCC members starting or ending their service


Contact Cosmo Insurance Agency if you or a loved one qualifies for a special enrollment period.

Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance.