Missing annual Open Enrollment does not mean everyone is unable to obtain coverage, but the options depend on the circumstances and the program. A person may qualify for a Special Enrollment Period after certain events, or may be eligible for Medicaid or CHIP. Other options vary by situation and state.
Check for a qualifying event
Loss of qualifying coverage, a move, or certain family changes may create an enrollment opportunity under specific rules. Not every change qualifies and timing requirements can apply. Use the official guidance before assuming you can enroll.
Review public program options
Some people may qualify for Medicaid or CHIP outside annual Open Enrollment. The rules vary by state and circumstance. Do not rely on a broad income number alone.
Use the official source
Start with HealthCare.gov coverage outside Open Enrollment and your state's official Marketplace. Confirm any new coverage's effective date before ending another source of insurance.