Outside the open enrollment period you may only be able to enroll in a major medical health plan if you have a “qualifying event.”
Qualifying events include, but are not limited to:
In 2014, the penalty will be the greater of 1.0% of taxable income or $95 per adult and $47.50 per child (under age of 18) payable for each month you’re uninsured (up to $285 per family).
If you have employer-based insurance, you don’t have to worry about the tax penalty.
Without a qualifying life event, it is likely to be extremely difficult to find an insurer that will accept your application for a major medical health plan outside of open enrollment. The next open enrollment starts November 15, 2014 for coverage that starts January 1, 2015.
If you don’t want to be without any type of health coverage between now 2015, there are different types of products available that can help you reach the next open enrollment period, or help you fill a gap for a few months until you’ve got access to guaranteed coverage, like employer-based insurance or Medicare.