Qualifying Events

Important Message:  2019 Open Enrollment starts November 1 and ends December 15! This is the time when any Vermonter can sign up for 2019 health coverage, or make changes to an existing plan. If you lose health coverage or have another qualifying event after Open Enrollment ends, you can still sign up but need to act fast. If you wait more than 60 days to apply and select your plan, you might have to wait until next year to get health insurance.

Medicaid and Dr. Dynasaur enrollment continues year round. To see if you might qualify for one of these programs, get a quick estimate through the Plan Comparison Tool or find out for sure by filling out an application.

Alternatively, if you've recently experienced a qualifying life event, you might qualify for a special enrollment period.


Qualifying Events

Life events that can qualify Vermonters for special enrollment periods include:

  • Loss of coverage – employer sponsored or public plan
  • Aging out of parental coverage or foster care
  • Release from incarceration
  • Marriage/divorce/annulment
  • Household member becomes pregnant
  • Birth/adoption/placement for adoption
  • Court-ordered coverage
  • Change in legal status (citizenship, immigration eligible, lawfully present)
  • Moves permanently into the state
  • Employer-sponsored insurance unaffordable/inadequate
  • Change in income resulting in change in APTC/CSR eligibility
  • Native Americans (status allows enrollment any time)
  • Hardship exemption approved or expires

 For more details on these qualifying events and how to get health insurance during a special enrollment period, view our Special Enrollment Period Qualifying Events chart (pdf).


Exceptional Circumstances

 In addition to the standard list of qualifying events (above), special enrollment periods can be granted under additional exceptional circumstances. If you have a question about an exceptional circumstance, or need to change an existing application, please call 1-855-899-9600.