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BidenCare Special Enrollment

Our promise at is to provide you with accurate, reliable information about upcoming changes to the health insurance industry under a new Biden administration.

BidenCare seeks to build upon, strengthen, and clarify ObamaCare's provisions.

The Affordable Care Act (ACA) says that most people applying for health insurance through the federal marketplace must sign-up at certain times.

Open Enrollment is the name for this period, typically in the fall, but states have broad leeway to set enrollment deadlines for their insurance exchanges. For instance, in California, the open enrollment period is much longer than the federal period.

But what happens when you need health coverage right away, and Open Enrollment doesn't begin for several months?

That's what health insurance Special Enrollment is for!

If you don't carry or have lost your insurance coverage, you'll still have a chance to sign-up for health plans during Special Enrollment.

The caveat is that you have to meet specific requirements to qualify as outlined in the ACA.

When is Open Enrollment?

You can begin signing up for ObamaCare health plans from November 1, 2021, through December 15, 2021.

You can also switch your insurance coverage and keep the tax credits to offset the premium and deductible expenses during this period.

Medicare relies on a similar but distinct open enrollment window; you can also apply for Medicaid at any time based on need.

What is the BidenCare Special Enrollment period?

Above all, President Biden wants to increase access to affordable health insurance for every American.

What this means for you is that you'll have more ways to find, pay for, and manage your health insurance. So far, we expect BidenCare to keep Special Enrollment stipulations in place.

How do you qualify for the BidenCare Special Enrollment period?

At, we help consumers streamline the search for health insurance, which remains complicated and tough to navigate for beginners.

Those who need to use Special Enrollment are patients most in need that can't wait for Open Enrollment to come around.

To qualify for Special Enrollment under BidenCare, you need to show that you've recently gone through qualifying life events, as specified in the ACA.

Here are the most common life events that will qualify you for Special Enrollment.

Marital status

One scenario is a change in marital status. Often, people have insurance through their spouse's employer-sponsored plan, so once they end the marriage, health coverage goes along with it.

Getting married is another scenario outlined in the ACA because you might need to add beneficiaries but can't wait for Open Enrollment.

Having a child or adopting a child

If you have a child, you can apply for BidenCare plans outside of Open Enrollment, too. We anticipate that BidenCare plans may stay the same as ObamaCare plans, which already include prenatal care.

Adopting a child counts as another qualification as sometimes these children have special needs that can't wait until the next Open Enrollment period.

Losing health insurance within the last 60 days

Losing your employer-sponsored health insurance can be equally as devastating as the financial impacts, especially if you have a pre-existing condition like diabetes or high blood pressure.

An important note: You must sign-up for Special Enrollment within 60 days of losing coverage. Similarly, you can sign-up for Special Enrollment as many as 60 days before losing the insurance if you know ahead of time.

Moving out of state

The ACA doesn't punish those who may get a new job and need to move out of state. In this situation, before ObamaCare came along, you would have no choice but to lose coverage and reapply in your new home state.

The reason is that states administer subsidized exchanges on their own without the federal government handling every detail.

Death of a loved one

In cases of tragedy and misfortune, such as a loved one's death, you can sign-up for insurance during Special Enrollment. The intent is to allow people who have lost coverage when their spouse passes away.

Additional qualifying life events

The previous life events are the most common, but other life events qualify, too.

If you have any questions about qualifying life events, we'd be happy to answers them!

Additional life events that count for special Enrollment include:

  • Getting a new job or losing a job
  • Gaining citizenship
  • Suffering an extended hospital stay
  • Developing a disability
  • Release from a correctional institution
  • Recovering from a natural disaster
  • Correcting administrative errors

These life events qualify you for Special Enrollment at any time.

At, we strive to help consumers find the best insurance policies at the best price.

We're not a government-funded website, and we're not insurance brokers. We're here for you.

If you don't know if you qualify for Special Enrollment, call to talk to an agent.

How Does it Work?

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TPMO Disclaimer: We do not offer every plan available in your area. Currently we represent [73] organizations which offer [5110] products in your area. Please contact or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Please note that these numbers provided are not specific to your area but rather represent the number of organizations and the number of products available on a national basis. We will connect you with licensed insurance agents who can provide information about the number of organizations they represent and the number of products they offer in your service area.

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The plans represented on are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Enrollment in a plan may be limited to certain times of the year unless you qualify for a special [election/enrollment] period or you are in your Medicare Initial Election Period.

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There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs. is operated by QuoteLab, LLC, which is an independent broker and is not a federal or state insurance Marketplace or other website. It does not provide access to any federal or state marketplace or exchange. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance are made through QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at

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