Special enrollment deadline calculator

Enter the date of your life event. The calculator shows the last day of the usual 60-day special enrollment period and, if you lost coverage, the earliest day you can start your application.

Rules checked October 10, 2026

What happened?

Date coverage ends

Last day to pick a plan

March 1, 2027

You can usually start applying as early as November 1, 2026, which helps avoid a gap in coverage.

That is the usual 60 days from December 31, 2026. Your marketplace makes the final call.

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This is an estimate for general information, not an insurance quote or advice. Confirm dates and costs with your plan, your marketplace or Medicare.

How is the window worked out?

Most special enrollment periods last 60 days after the event. If you are losing health coverage, you can usually apply up to 60 days before the coverage ends, which helps avoid a gap.

What should you know?

Some events have different rules, and you may be asked for proof of the event. Treat the dates as a guide and confirm them with your marketplace or a licensed agent. Missing open enrollment is not a qualifying event.

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A licensed agent compares plans and explains the tradeoffs. It costs you nothing.

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Or call (321) 485-9988 About ACA marketplace plans

Common questions

How long is a special enrollment period?

Usually 60 days from the qualifying event.

Can I apply before my coverage ends?

If you are losing coverage, you can usually apply up to 60 days before it ends.

What if my deadline has passed?

You may have to wait for the next open enrollment, or check whether you qualify for Medicaid, which accepts applications all year. A licensed agent can explain your options.