Can I Still Enroll in Health Insurance After Open Enrollment?

You may have heard that if you didn’t buy a health plan during Open Enrollment, then you missed the boat on health insurance for the whole year. And that’s true — unless you qualify for a Special Enrollment Period.

What’s a Special Enrollment Period (SEP)?

A time period when you can sign up and start your health insurance, regardless of whether it’s the official Open Enrollment Period (November 1 to mid-January). An SEP is triggered by what’s called a Qualifying Life Event.

What’s a Qualifying Life Event?

To qualify for a Special Enrollment Period, you must have a Qualifying Life Event, such as:

  • Marriage
  • Divorce or legal separation
  • Birth or adoption of a dependent
  • Loss of Medicaid
  • Involuntary loss of coverage (canceling your plan or failing to pay your premiums does not count as an involuntary loss)
  • Return from military duty
  • Relocation to Colorado
  • Relocation to a new country within Colorado
  • Court order for coverage
  • Other (not listed above, but you can check here)

Please review this page to see all of the required documentation for each Qualifying Life Event.

How do I purchase a Friday Health Plan outside of Open Enrollment?

That depends on whether you’re buying an off-exchange plan (directly through us), or an on-exchange plan (through Connect for Health Colorado).

  • If you’re buying an off-exchange health plan, please check out our plans on the Friday website. Email the required documentation to our Friday Care Crew at You’ll receive instructions to make your first month’s payment. If additional information is required, we’ll get in touch with you directly.
  • If you think you could qualify for financial assistance with the cost of your health plan (don’t rule it out! single folks making up to $43,000 annually can qualify), then you’ll want to buy an on-exchange health plan. Visit Connect for Health Colorado. You’ll still need to send us proof that you experienced a Qualifying Life Event, and you’ll need to make your first month’s payment. Then you’ll be all set.

Have questions about Special Enrollment?

Give our friendly Friday Care Crew a call at 800-475-8466. Health insurance can be complicated, and we’re happy to help!


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