Google "new york buying health insurance outside open enrollment" to find ways. One source found is "How to enroll in health insurance outside of Open Enrollment." Here are the "qualifying life events" (note the last one):
Lost job-based coverage: This applies to you even if you voluntarily left your job or decreased your work hours. It also applies if your job-based coverage does not meet current standards for value and affordability.
Lost coverage through an individual plan: This category includes losing your coverage due to circumstances like moving or no longer being a student. You don’t qualify under this category if you stopped paying premiums, gave up on paperwork, or voluntarily withdrew from your individual plan.
Lost coverage through a family member: You qualify under this category if you had health insurance through a family member’s policy and lost it due to death, divorce, or no longer being a dependent. Or if your family member lost coverage causing you to lose it as well.
Changed your income: An increase in income may mean that you no longer qualify for Medicaid or premium-free Medicare Part A. A decrease could mean that you now qualify for Medicaid, which allows year-round enrollment.
Changed your household size: Have you gotten married, added a child to your household, or had a child move out? You can enroll in a new insurance plan within 60 days of this event.
Changed your citizenship status: If you just became a U.S. citizen or have recently been released from incarceration, you can start over with new insurance.
Encountered exceptional circumstances: The Marketplace recognizes that life events are sometimes hard to categorize. If you experienced one of these types of events you may be eligible to enroll during SEP.
OK thanks, the thing is I drive a truck and haven’t had insurance for a while. But I’ll see if I can get around it. A friend of mine had a catastrophic injury and he has no insurance so that pretty much kicked me in the butt to get moving on this.
Good advice for the poster.
That makes me think there is a market for the chronic singles. Have insurance via employer- auction off marriage for health insurance coverage. No congical visits. Paper only. Tax implications are tbd.