ACA Special Enrollment Period
An ACA Special Enrollment Period lets you sign up for a Marketplace plan outside Open Enrollment after life events like losing a job or having a baby.
Also known as
Related terms
- ACA Marketplace
The ACA Marketplace, found at HealthCare.gov, is where you can compare and buy private health plans, often with subsidies, if you don't have job or government coverage.
- ACA Subsidy / Premium Tax Credit
A federal tax credit that lowers what you pay for health insurance purchased through the ACA Marketplace. The credit is calculated based on your household income relative to the Federal Poverty Level.
- Special Enrollment Period
A window of time outside of the annual Open Enrollment Period during which individuals can enroll in or change ACA Marketplace health insurance coverage following a qualifying life event.
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Frequently asked questions about ACA Special Enrollment Period
What is an ACA Special Enrollment Period?+
A 60-day window to enroll in an ACA Marketplace plan after a qualifying life event.
Who qualifies for an ACA Special Enrollment Period?+
People with events like job loss, marriage, divorce, or a new child.
How do I apply for an ACA Special Enrollment Period?+
Report the event at healthcare.gov to start your SEP.
Where can I get help?+
Call BenefitKarma at (866) 201-2604 or use our free benefit screener.