if you lose a job and your employer-sponsored health insurance during the year you can shop for coverage on your state marketplace even if you are outside the open enrollment period. losing employer-sponsored insurance is considered a “qualifying event ” which gives you an opportunity to shop for a health plan and apply for a premium subsidy at that time.
what if you get a job in 2014 that provides health insurance benefits and then are laid off during 2014? . can you apply for aca insurance at that time or do you have to wait for an end-of-year open enrollment period?