Sarah's first realization was that standard 2026 Open Enrollment had ended on January 15 in most states. However, she learned she might qualify for a if she had experienced a Qualifying Life Event (QLE) in the last 60 days.
This is the story of Sarah, a freelance graphic designer who found herself without health insurance just as her wisdom tooth started acting up. Her journey highlights the specific ways you can secure coverage even outside of the standard Open Enrollment Period. The "Special Enrollment" Search
She checked the list of QLEs on HealthCare.gov and found several common triggers: Qualifying life event (QLE) - Glossary | HealthCare.gov
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