If you do not qualify for employer health insurance coverage and also miss the Annual Open Enrollment Period for ACA health insurance, then you could possibly enroll in a health insurance plan through qualifying for a Special Enrollment Period (SEP).
If you qualify for a Special Enrollment Period, you only have 60 days from the qualifying event to enroll in a health insurance plan. Some examples of qualifying events are:
• Growing your family (birth, adoption, foster care or guardianship).
• Marriage or divorce.
• Losing employer health insurance.