The 90-day window
If you lost Medicaid or CHIP coverage in the past 90 days, you may qualify for a Special Enrollment Period. HealthCare.gov
Losing Medicaid or CHIP
Lost Medicaid? You likely have 90 days to get covered.
Medicaid and CHIP rules are changing in several states. If your coverage ends, you may qualify for a Special Enrollment Period and financial help with a Marketplace plan.
What to review
Focus on the details that change the decision.
How to switch
Create or log in to a Marketplace account, start or update an application, include your state's recent Medicaid or CHIP decision and your current income, then enroll if eligible. HealthCare.gov
Don't wait to be contacted
The Marketplace may mail you after a Medicaid or CHIP loss, but you don't have to wait for that before applying. HealthCare.gov
Check your state's changes
Some states are adding work or community engagement rules and more frequent renewals starting in 2027. See your state page for the official details.
General education, not advice for your situation. Sources, checked October 2, 2026: healthcare.gov · healthcare.gov.
Your coverage review
Bring the basics. Leave with clearer next steps.
- Share the situation.Who needs coverage, ZIP code, timing, current coverage, and why you are reviewing.
- Name the priorities.Budget, providers, prescriptions, travel, and expected care.
- Review relevant paths.Understand tradeoffs and questions to verify before deciding.
Common questions
Know what to expect.
General education only. Exact options require an individual review.
What should I have ready?
Your Medicaid or CHIP notice, household members' information, an income estimate for the year, and the doctors and prescriptions you want to keep.
Will a Marketplace plan cost a lot?
It depends on your income, age and county. Many people qualify for a premium tax credit. A quick review can show your real numbers.
What if I can't tell whether I still qualify for Medicaid?
Contact your state Medicaid agency first. If you are no longer eligible, use the Special Enrollment window to avoid a gap.
Ready when you are
Turn the research into a personal review.
Send the essentials or choose a time. Requesting information does not enroll you.