Losing existing health coverage (e.g., job loss or aging out of a parent's plan). Getting married or having a baby. Moving to a new state or area with different plan options.

Buying health insurance today depends on your current situation and location. In most cases, you can secure coverage immediately if you have a qualifying life event, are eligible for government programs, or choose a short-term plan.

If you need coverage starting today, consider these primary routes:

: You can enroll in an ACA-compliant plan outside the standard open enrollment period if you’ve experienced a major life change in the last 60 days. Common events include: