The Health Insurance Marketplace open enrollment for 2015 health insurance coverage begins November 15, 2014 and ends February 15, 2015. This means that anyone who failed to enroll during the 2014 open enrollment period, which ended on March 31, 2014, will have another opportunity to enroll through the Marketplace. Prior to the November open enrollment period, individuals seeking coverage may be able to enroll through a special enrollment period or through enrolling in Medicaid or CHIP.

In order to qualify for a special enrollment period, an individual will have to demonstrate that a qualifying life event has occurred or that a complex situation has arisen in relation to previously applying in the Marketplace. Qualifying life events include, for example, marriage or divorce; having a baby or adopting a child; moving your residence; gaining citizenship; or losing other health coverage. Anyone who believes they qualify for a special enrollment period may apply for special enrollment within sixty days of the qualifying event through healthcare.gov.