Missed Open Enrollment? You May Still Qualify for ACA Health Coverage

Losing health coverage doesn’t mean losing peace of mind

If you've recently lost your health insurance—or expect to lose it soon—you may qualify for a Special Enrollment Period (SEP) under the Affordable Care Act (ACA). That means you don’t have to wait for the next Open Enrollment window to get coverage.

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🕒 What Is a Special Enrollment Period?

A Special Enrollment Period is a window of time (usually 60 days) that opens when you experience a qualifying life event, such as:

• Losing job-based coverage
• Turning 26 and aging off a parent’s plan
• Divorce or legal separation
• Moving to a new ZIP code
• Losing Medicaid or CHIP eligibility
  
  

These life events give you the opportunity to shop for a plan on the Marketplace, potentially with $0 premiums and low deductibles--especially if your income qualifies you for extra savings.

💡 2025 SEP Qualifying Income: Another Way to Get Covere

Even if you haven’t had a major life event, you may still qualify for coverage based on income. This is one of the most overlooked paths to getting an ACA plan outside of Open Enrollment.

If your annual household income falls within the Federal Poverty Level (FPL) guidelines, you can still enroll through a Special Enrollment Period.
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📊 Below is the income chart for 2025:

“2025 Income Numbers for SEP Qualification by Family Size

For example, a family of four earning less than $46,800 per year may qualify. In Alaska and Hawaii, the limits are even higher.
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If your income falls within these limits, don’t wait — you may be eligible right now.

📞 Get Free Help Applying

At Better Health Consulting, we guide clients step-by-step to:
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• Verify income eligibility
• Collect the right documents
• Enroll in a qualified plan with maximum subsidies

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You don’t have to figure this out on your own. We’re here to help.

​✅ Plans can include:
$0 doctor visits • Free virtual care • Vision and dental options • Brand-name prescriptions

​💬 Ready to See If You Qualify?

​Call us today or click below to speak with a licensed agent.
We’ll check your eligibility and help you enroll in the best plan available.

Call Now