The Open Enrollment Period runs from November 1 through December 15 for a January 1 start date. During this time, anyone can sign up or switch plans. If you miss it, you may still be eligible for a Special Enrollment Period triggered by events like losing job-based coverage, moving to a new state, getting married, having a baby, or other qualifying life events. If you don’t qualify for a special enrollment window, you may need to consider a short-term plan until the next Open Enrollment Period.