Well, life happens to change, and with that, so do your health insurance needs. The 2022 Open Enrollment Period for coverage has ended. However, if you have a qualifying life event, you can still get or change health coverage in 2022. Things like getting married, moving or relocating, having a baby, or losing your current health insurance may qualify you for a SEP or particular enrollment period.

Your sep will only last for 60 days after your qualifying event. This will allow you to enroll in or change your plan outside the Open Enrollment Period.

You may qualify for government subsidies—like a premium tax credit—that can help you pay your monthly premiums or a cost-sharing reduction, which lowers the amount you pay for deductibles, copays, and coinsurance.