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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.


Special Enrollment in Covered California?

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Question: Can I buy insurance on the exchange after the open enrollment period?

Answer: Covered California will have special enrollments throughout the year for individuals and families who become eligible for coverage in the marketplace because of a “qualifying event in their lives. Here are some qualifying events.

  • A change of income.
  • A change in legal marital status, including marriage, death of a spouse, divorce, legal separation and annulment.
  • A change in the number of dependents, including birth, death, adoption, and placement for adoption.
  • A change in employment status of the employee, or the employee’s or retiree’s spouse or dependent, including termination or commencement of employment.
  • A dependent ceasing to satisfy eligibility requirements for coverage due to attainment of age.

Special enrollment periods cover 60 days from the qualifying event to enrollment to allow enough time to make the transition.

1 Comment

Hi I have recently become unemployed in the last month and cannot afford my cobra coverage thats been offered to me. Wouldd this qualify as special enrollment and if so, how do I go about doing so?

Thank you

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