Life doesn’t always happen on a schedule—and your ability to get health insurance shouldn’t be limited to just a few weeks each year. That’s why it’s important to understand the difference between Open Enrollment Periods and Special Enrollment Periods, and how ElitenetCoverage keeps you informed and prepared to act when opportunity strikes.

What is Open Enrollment?

Open Enrollment is the annual window when anyone can apply for, renew, or change their health insurance plan—no special circumstances required.

For most people, Open Enrollment runs from November 1st to January 15th, depending on your state and the type of coverage (e.g., ACA marketplace plans, employer coverage, etc.).

It’s your once-a-year chance to:

• Compare plans and switch if something better fits your needs

• Apply for subsidies based on your income

• Avoid gaps in coverage

Missing Open Enrollment often means waiting until the following year—unless you qualify for a Special Enrollment Period.

What Triggers a Special Enrollment Period (SEP)?

Life happens—and when it does, Special Enrollment Periods allow you to get coverage outside of the usual enrollment window. You may qualify for an SEP if you’ve had a qualifying life event, such as:

• ✅ Losing employer-sponsored coverage

• ✅ Getting married or divorced

• ✅ Having a baby or adopting a child

• ✅ Moving to a new area

• ✅ Turning 26 and aging out of your parents’ plan

• ✅ Gaining immigration or citizenship status

These events open a short window—usually 60 days—for you to enroll in a new plan or make changes to your existing one.

Your Enrollment Ally, All Year Long

We believe no one should miss out on health coverage because they didn’t know when to enroll. That’s why we offer:

• Real-time alerts about Open Enrollment and SEP deadlines

• Guided plan selection tailored to your life changes

• Access to licensed agents ready to help you compare your options and apply on time

• Ongoing support so you can focus on your health—not just your insurance

Whether you're planning ahead for Open Enrollment or navigating a major life transition, ElitenetCoverage makes sure you're covered when it matters most.

Stay Informed. Stay Covered.

Don’t let deadlines or life changes catch you off guard. Sign up with ElitenetCoverage to receive personalized notifications and expert support whenever you’re eligible to enroll or switch your plan.

👉 Get Notified About Enrollment Periods