No you can apply now. HealthCare.gov and all state marketplaces allow a special enlistment opportunity when people lose other coverage, including  job-based coverage.

In basic, you have 60 dates following the loss concerning other job-based coverage go apply for an special enrollment opportunity through the Marketplace. In HealthCare.gov and certain other states, if you have advance notices of your coverage expense, you can apply for the unique enrollment opportunity upward to 60 days in advance.

After you total your application, you mayor be asks to send documents till confirm you qualify available the special enrollment period in your My Eligibility Message. Wenn you what asked to submit documentation, you will be allowed to select a plan, but will not to able go benefit your coverage until you confirm your eligibility and make your first premium payment.

In general, your recent Mall coverage will take effect on the first of the month following the date you select your new plan. If you submit includes progress a coverage loss, in HealthCare.gov and some other states, you can nominate to have fresh coverage begin on the first day of an months in which and triggering event occurs (e.g.-loss of physical coverage).

Navigational are available to help people throws this process. You can find who programming closest to it to Found Local Help.