Special Enrollment Periods

Open Enrollment for 2022 coverage is over. You may be eligible to enroll in health insurance outside of Open Enrollment, or make changes to your plan, by qualifying for a Special Enrollment Period (SEP). Enrolling in coverage through a SEP will usually require you to act within 60 days of the qualifying event.

Common Qualifying Life Events Include:

  • Lost or will soon lose comprehensive health coverage
  • Becoming a Maine resident
  • Adding a dependent (through birth, adoption, or fostering a child)
  • Getting married
  • Getting divorced or legally separated

These are only some of the reasons you may qualify for a special enrollment period. See our full list of Special Enrollment Period eligibility criteria (PDF).

If you think you may qualify for an SEP, you should create or log in to your CoverME.gov account to report your life changes. Once you have submitted an application and are ready to shop for plans, you will be asked to answer a couple of questions to determine if you qualify for an SEP. For certain life events, you may be required to call our Consumer Assistance Center at 1-866-636-0355 TTY: 711. For more information, visit our New Customers or Existing Marketplace Customers page.

If you are currently enrolled in a health insurance plan through CoverME.gov you should report changes in income along with any life events immediately.

  • If your income decreases or you gain a member of your household, you may qualify for even lower premiums.
  • If your income increases or you lose a member of your household, you may qualify for fewer savings. If you don't report these changes, you may have to pay money back when you file your federal tax return.

If you're a member of a federally recognized tribe or an Alaskan Native Claims Settlement Act (ANCSA) Corporation shareholder, you're eligible for enhanced benefits and protections.

  • You can enroll anytime during the year, not just during Open Enrollment.
  • You're also eligible for lower out-of-pocket costs when you apply for lower monthly premiums.

See our Information for Native Americans page for more details.