1. 1305 POINTS
    Neil SteinmanPRO
    Owner, Orange County Health & Life Insurance,
    Now that there is "Open Enrollment" there has to be a special circumstance to get coverage outside of open enrollment - even if it is just adding someone to an existing policy. A special circumstance would be something like losing employer coverage, a change in income that would make you eligible or ineligible for a subsidy, getting married or divorced, etc.
    Answered on April 23, 2014
  2. 617 POINTS
    Waltere Koti
    Principal Agent, First Insurance Agency Inc, United States
    You can only add a spouse or a dependent to your health insurance during the open enrollment period. You can add a spouse or a dependent to health insurance outside the open enrollment period if you have a qualifying event. A qualifying event will be things like loosing employer health plan, having a baby and a few other. Consult you insurance professional.
    Answered on June 19, 2015
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