Losing job-based health coverage is a Qualifying Life Event, which opens a Special Enrollment Period (SEP). Special Enrollment Periods allow individuals to apply for coverage outside of the annual Open Enrollment Period (OEP), which runs from November 1 through January 29, 2027. You can apply for coverage up to 60 days before or after the date of the qualifying event and enroll in a health plan.
Visit www.marketplace.virginia.gov to get started, and click the yellow Get Covered button.
If you need help applying, you can call the Virginia's Insurance Marketplace Customer Assistance Center at 1-888-687-1501 (TTY: 711) to speak with a Virginia's Insurance Marketplace Customer Service Representative for guidance and assistance.
You can also find free, local assistance from a Virginia-certified insurance agent, navigator, or assister in your community. Visit the Marketplace Help Center on Virginia's Insurance Marketplace website for more information.
Medicaid and FAMIS Coverage
Virginians who have lost their jobs and job-based healthcare coverage can also apply for Medicaid online through CommonHelp.virginia.gov. If an individual is determined to be ineligible for Medicaid, their information may be transferred to Virginia's Insurance Marketplace or FAMIS, which provides coverage for eligible uninsured children under age 19.
Whether you apply through Virginia's Insurance Marketplace or CommonHelp, we are committed to helping ensure that your application reaches the appropriate program so you can enroll in health coverage that meets the needs of you and your family.
Note: Marketplace plans can take effect on the first day of the month after your job-based insurance ends. For example, if you lose your insurance coverage on March 7 and select a Marketplace plan by March 31, your new coverage can begin on April 1.