 [ Symptoms ] 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 [ Disease ] 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