How long do I have to enroll after losing coverage?
Last updated September 3, 2026.
Generally 60 days - losing coverage (job-based plan, aging off a parent's plan at 26, a plan ending) triggers a Special Enrollment Period with a 60-day window to pick a new plan, per Healthcare.gov. COBRA runs a parallel 60-day election clock, and since it is retroactive to the day coverage ended, electing late still leaves no gap. The exceptions: Medicaid and CHIP accept applications year-round with immediate start, while a spouse's employer plan typically gives only 30 days to add you - the tightest window. Treat uncovered weeks as financially dangerous: one accident can mean a five-figure bill. Mark the end date, count 60, and make day 50 your personal deadline. Pymander is a free AI doctor, 24/7 by text, and can help you map the dates.
What to do
- Count 60 days from your coverage end date: that is the Marketplace window.
- Spouse's plan? Only 30 days: act first if this is your route.
- COBRA is retroactive: elect by day 60 and the gap never existed.
- Low income? Skip the clock entirely: Medicaid enrolls year-round.
Related questions
- What is a special enrollment period?
- How do I keep health insurance between jobs?
- What is COBRA insurance?
- Can I get health insurance outside open enrollment?