If you don't qualify for an SEP, you can still access certain types of coverage at any time:
However, there are two major exceptions that allow you to get coverage year-round: 1. Qualifying Life Events (Special Enrollment) can you buy private health insurance anytime
Moving to a new ZIP code or county that offers different health plans. If you don't qualify for an SEP, you
Losing a job-based plan, turning 26 and aging out of a parent's plan, or losing Medicaid eligibility. or losing Medicaid eligibility. Getting married
Getting married, having a baby, adopting a child, or a death in the family that impacts your current plan.
Special Enrollment Period - the Health Insurance Marketplace