When You Can Enroll in Health Coverage

Enrollment is available during specific time periods or when certain life events occur.

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What Is Open Enrollment?

Open Enrollment is the annual window when any eligible California resident can apply for, renew, or change a Covered California health plan—no special reason needed.

The Covered California Open Enrollment period typically runs from November 1 through January 31. Enroll by December 15 for January 1 coverage. Enroll after December 15, and coverage generally starts February 1.

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Not sure which coverage option is right for you? You can request assistance from a Certified Insurance Agent to better understand your options.

Can I Enroll Outside of Open Enrollment?

Yes. If you experience a Qualifying Life Event (QLE), you may be eligible for a Special Enrollment Period (SEP) that opens a 60-day window to enroll outside the regular schedule.

Common qualifying life events include:

  • Losing existing health insurance coverage—including job-based coverage
  • Getting married or entering a domestic partnership
  • Having a baby, adopting, or a child entering foster care
  • Moving to a new coverage area
  • Changes in household size or income affecting eligibility
  • Gaining citizenship or lawful immigration status

Why Timing Matters

What If I Miss Open Enrollment?

Missing open enrollment without a qualifying event means waiting until the next cycle — potentially several months without coverage. Gaps in coverage can lead to unexpected medical costs.

Plan in advance. If you're not sure when to act, a health insurance advisor near Sonoma County or one of the surrounding areas we serve can help you time it right.