 [ Symptoms ] what happens if you have health insurance coverage at the moment but lose coverage say the first of the year  can you apply for coverage at that time in other words is there open enrollment due to instances such as this also do you get penalized if you have coverage now but lose it after the first of the year [ Disease ] if you hit your head recently it is a possibility it also depends on how long this has been going on if you hit your head a day or so ago and are having these symptoms now it is much more likely than if you hit your head two weeks ago