Getting Enrolled 

Timing & Enrollment Triggers

You can enroll in health insurance under several circumstances:

• Turning 26 (when you age off a parent or guardian’s plan)
  
  

• Starting a new job
  
  

• Moving to a different state
  
  

• Experiencing a qualifying life event (e.g., marriage, birth, job loss)
  
  

• During the annual Open Enrollment period
  
  
  

Turning 26 & Special Enrollment Period (SEP)

• If you lose coverage under a parent’s plan at age 26 (unless exceptions apply in some states), you become eligible for a 60-day Special Enrollment Period (SEP) immediately before and after the loss of coverage to sign up for a new plan.
  
  

Coverage Options Available

Project HEAL outlines several health insurance pathways:

1. Employer-Sponsored Coverage
   Often affordable and accessible—especially helpful if your workplace qualifies you right after losing parental coverage.
   
   
   

2. Health Insurance Marketplace (ACA)
   You can apply via Healthcare.gov or your state’s marketplace. Losing coverage at 26 qualifies as an SEP, letting you enroll outside of Open Enrollment. Subsidies may reduce your premiums depending on your income.
   
   
   

3. Government Programs
   If eligible due to low income, age (65+), or disability, programs like Medicaid or Medicare may apply.
   
   
   

4. COBRA
   Allows continuation of your parent’s employer-based plan for up to 36 months—but often with high full-premium costs.
   
   
   

5. Short-Term Health Plans
   Temporary and lower-cost options, though typically not ACA-compliant and don't cover pre-existing conditions.
    

6. Student Health Plans
   Coverage through your educational institution, if available.
   
   
   

How the Marketplace Works & SPECIAL ENROLLMENT

• Open Enrollment Period: Usually held in the fall (typically November 1 to January 15; dates may vary by state).
  
  

• Special Enrollment Period (SEP): Triggered by qualifying life events like loss of coverage, marriage, having a baby, or moving.
  
  

• Medicaid/CHIP: Available year-round eligibility and application.
  
  

• Native Americans: May enroll at any time.
  
  
  

Project HEAL Support Services

If you're uncertain about which road to take, Project HEAL offers 1:1 Insurance Navigation support through their Treatment Access application. This personalized assistance can help you choose or enroll in the best plan based on your needs.
Project HEAL