Communtiy Action Agency of St. Louis County, Inc.

A Community Action Agency providing low-income people
with emergency and crisis intervention services.

Community Action Partnership
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Affordable Care Act Health Insurance

Special Enrollment
You May Still be Able to Buy
Health Insurance

Open Enrollment is Now Over

Open Enrollment is the only period of time that you can buy, renew or make changes to your health insurance unless you qualify for a Special Enrollment period.  The 2015 Open Enrollment will start November 15, 2014, and end February 15, 2015.

Special Enrollment

After Open Enrollment, you can enroll in private coverage through the Marketplace only if you have a qualifying life event or a complex situation related to applying in the Marketplace.

If you think you qualify for a special enrollment period, start a Marketplace application. When you finish your application and get to your “To-do list” page, you’ll see a statement that you can enroll only if you have a special enrollment period. Continue the process and enroll in a plan.

Qualifying Life Events

If you have one of the following qualifying life events, you can have a Special Enrollment period. Your Special Enrollment period starts on the date of the qualifying life event and ends 60 days later. You will have only 60 days from the date of the event to make a change or enroll in a new health insurance plan. 

Here are some examples of qualifying life events:

  • Marriage, having a baby, adopting a child or placing a child for adoption or foster care, moving your residence, gaining citizenship, leaving incarceration.
  • Losing other health coverage—due to losing job-based coverage, divorce, the end of an individual policy plan year in 2014, COBRA expiration, aging off a parent’s plan, losing eligibility for Medicaid or CHIP, and similar circumstances. Important: Voluntarily ending coverage doesn’t qualify you for a special enrollment period. Neither does losing coverage that doesn’t qualify as minimum essential coverage.
  • For people already enrolled in Marketplace coverage: Having a change in income or household status that affects eligibility for premium tax credits or cost-sharing reductions

Lower costs for Marketplace plans: You may be able to get premium tax credits or lower out-of-pocket costs that reduce how much you pay for coverage.

You can enroll in a plan either through the Marketplace or outside the Marketplace if you qualify for a special enrollment period but your income is too high to get lower costs.

If you do not buy or change your plan within your Special Enrollment period, you must wait until the next Open Enrollment period to get or change coverage for 2015. Remember, having health insurance is required by law. If you don’t have health insurance for 3 months or longer during 2014, you may have to pay a tax penalty. You can learn more about the tax penalty and more at

Are you wondering how the Affordable Care Act (ACA) health insurance works?

Are you having trouble figuring out the details
for the ACA health insurance choices in Missouri
and want to talk to a person face to face?

Let one of our Community Action Agency of St. Louis County (CAASTLC) federally certified and state licensed enrollment staff help you.

There is no cost and no obligation.

We can assist you with enrollment and answer all
of your questions. We are open Monday through Friday, 8:00 am to 5:00 pm. 

Call 314-446-4444 for an appointment today or
come into one of our locations:

2709 Woodson Rd.
St. Louis, MO 63114
South County-
MEAAA Building

225 Lemay Ferry Rd.
St. Louis, MO 63125

For more information on qualifying life events, visit:

 CAASTLC’s certified application enrollment staff is available for group presentations, to answer questions and provide education on affordable health care insurance options as well as enrollment in the Marketplace. For more information visit our website or call 314-446-4444 to speak to our enrollment staff.

If you need assistance filing a complaint related to your eligibility and enrollment process contact the Call Center for assistance with filing a complaint or grievance with the Marketplace at 1-800-318-2596 (24/7) or you may file a complaint online using this secure complaint form

Cover Missouri

Missouri Foundation for Health has awarded a $250,000 grant for CAASTLC’s continued work, for a second year, assisting low to moderate income individuals and families without health insurance to enroll into the Missouri Marketplace.  Our Federal and State licensed certified application staff will continue to reach out into the St. Louis County area to assist with online enrollments.  Many families ended up paying less than $100/month for health coverage.  Nationwide, Missouri ranked 13th with the most enrollments into the Affordable Care Act Marketplace.  Nationally, over 10 million people, previously uninsured, are now covered, creating a better America.   CAASTLC is proud to be part of this monumental social improvement.  CAASTLC offers enrollment information and counseling at our main office and South St. Louis County at the MEAAA building located at 225 Lemay Ferry Rd. St. Louis, MO 63125.

Funding for this project was provided in whole by The Missouri Foundation for Health. The Missouri Foundation for Health is a philanthropic organization whose vision is to improve the health of the people in the communities it serves.

Missouri's Health Insurance Marketplace works for me.