What Happens If I Miss Open Enrollment? Your Guide to Finding Coverage When Life Doesn’t Go As Planned

You thought you had more time

Life got busy. You missed Open Enrollment. Now you’re uninsured—or stuck with a plan that doesn’t fit. You’re not alone. Every year, millions of Americans miss the Open Enrollment Period (OEP) for Marketplace or Medicare plans, leaving them feeling anxious, exposed, or unsure of what to do next.

The good news? You may still qualify for coverage. But you need to act fast.

At Mere, we believe health insurance shouldn’t be confusing or shame-inducing.

We’re here to help you understand your options and take the next right step—without judgment, pressure, or endless government hold music.

What is Open Enrollment?

Open Enrollment is the once-a-year window when most people can enroll in or change health insurance plans:

• Marketplace (ACA): November 1 – January 15 in most states

• Medicare Annual Enrollment: October 15 – December 7

• Employer Coverage: Varies by employer

If you miss these windows, you can’t just enroll at any time—unless you qualify for a Special Enrollment Period (SEP).

Missed the Deadline? You Might Still Qualify

Here are some of the most common reasons people can enroll outside of OEP:

You lost coverage recently.

This includes job-based insurance, Medicaid, CHIP, COBRA, or even a parent’s plan when turning 26.

Your household changed.

Marriage, divorce, birth/adoption, death, or a dependent aging out of coverage can trigger a SEP.

Your income changed.

If your income drops or you’re newly eligible for subsidies (like APTC), you may qualify.

You moved.

A permanent move to a new ZIP code or county can allow you to enroll.

You were denied Medicaid/KidCare.

If your child or you were denied or removed from Medicaid, this may open a SEP.

You typically have 60 days from the qualifying event to enroll.

How Mere Helps:

We don’t just fill out forms—we help you get the coverage you need and deserve.

• We review your eligibility

• We help document your SEP

• We explain your options simply

• We walk with you step-by-step

• We NEVER charge for our help

Here’s the Plan

1. Schedule a free consultation with our team

2. Find out if you qualify for a SEP

3. Apply for a plan that meets your needs and budget

4. Get peace of mind knowing you’re covered

You deserve health coverage that protects your family—whether it’s January or July.

Don’t stay uninsured. Don’t pay more than you have to. You have options.

Call or text our office at (904) 654-5450 or visit www.merebenefits.com to get started today.

Frequently Asked Questions

What if I don’t qualify for a SEP?

We’ll help you explore alternatives such as short-term coverage, sharing plans, or local resources. You won’t be left without a plan.

How do I prove a qualifying event?

Most SEPs require documentation. We’ll walk you through exactly what to submit and when.

Is this the same as Medicaid or KidCare?

No—but if you’ve been denied those programs, it may open the door to other options. We help with that too.

I just found out my plan was canceled. Now what?

Time is critical. Contact us right away. We’ll guide you through next steps and timelines to avoid gaps.