Missed Open Enrollment? Florida's Special Enrollment Period Explained
Open enrollment isn't the only way to get covered. If you've had a qualifying life event, you can still enroll in a 2026 Florida marketplace plan right now.
Reviewed by Brad S. · Licensed Florida Health Insurance Agent
Updated June 2026. Written and reviewed by a licensed agent at United Liberty Insurance Agency LLC to ensure accuracy. We cite official sources (HealthCare.gov, CMS, KFF) wherever possible.
What is a Special Enrollment Period?
A Special Enrollment Period (SEP) is a window — usually 60 days— when you can enroll in or change a marketplace health plan outside the annual open enrollment period. It's triggered by a qualifying life event.
Qualifying life events in Florida
- Loss of coverage — losing a job-based plan, aging off a parent's plan at 26, or losing Medicaid/CHIP.
- Household changes — marriage, divorce, having a baby, or adopting.
- Moving — a permanent move to a new ZIP code or county with different plan options.
- Other — gaining citizenship, leaving incarceration, or certain income changes.
Deadlines you can't miss
Most SEPs last 60 days from the event. For a loss of coverage, you can usually apply up to 60 days before as well — which helps you avoid a gap. Miss the window and you may have to wait until the next open enrollment.
What if I don't have a qualifying event?
You may still have options: Medicaid and Florida KidCare enroll year-round if you qualify, and in many cases lower-income households can enroll any time. It's worth a 5-minute check with a licensed agent before assuming you're locked out. See also our 2026 subsidy guide.
Frequently asked questions
Can I still get health insurance in Florida after open enrollment ended?
Yes, if you qualify for a Special Enrollment Period (SEP). Open enrollment for 2026 ended January 15, 2026, but a qualifying life event — like losing coverage, moving, marriage, or having a baby — opens a 60-day window to enroll.
How long do I have to enroll after a qualifying life event?
Most Special Enrollment Periods give you 60 days from the date of the event. Some, like losing other coverage, also let you apply up to 60 days before.
What documents do I need for a Special Enrollment Period?
You'll typically need proof of the qualifying event — for example, a letter showing loss of coverage, a marriage certificate, a birth certificate, or proof of a move. A licensed agent can tell you exactly what's required for your situation.
Is there a low-income Special Enrollment Period?
In many cases, people with household income up to 150% of the federal poverty level can enroll year-round. Eligibility rules can change, so it's worth checking your specific situation.
Find out if you qualify to enroll today
A licensed Florida agent will check your eligibility for a Special Enrollment Period — free, in minutes.
Sources: HealthCare.gov. Special Enrollment rules and deadlines can change; confirm your eligibility at HealthCare.gov or with a licensed agent.