To purchase a permanent major medical health insurance plan outside of open enrollment, you need a qualifying life event, which creates a special enrollment period. Examples of qualifying life events are moving to a new state, certain changes in your income, and changes in your family size (marriage, divorce, child birth, adoption), losing other health coverage, etc. If you do not have a qualifying life event, you can still purchase term health insurance to bridge the gap from now until the next open enrollment period.