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.
Qualifying events include: loss of job-based coverage, marriage, divorce, birth or adoption of a child, moving to a new coverage area, gaining citizenship.
SEPs typically last 60 days from the qualifying event.
For Medicare, special enrollment applies to those who delayed Part B while covered by employer insurance.
→ Missing the SEP window may mean waiting until next Open Enrollment.
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Frequently asked questions about Special Enrollment Period
What is 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. Qualifying events include: loss of job-based coverage, marriage, divorce, birth or adoption of a child, moving to a new coverage area, gaining citizenship.
Who qualifies for Special Enrollment Period?+
For Medicare, special enrollment applies to those who delayed Part B while covered by employer insurance.
How do I apply for Special Enrollment Period?+
Apply during Open Enrollment (Nov–Jan) or after a qualifying life event at healthcare.gov, or through your state's Marketplace.
Where can I get help?+
Compare plans and check subsidies at healthcare.gov, or call a free local Navigator listed there. BenefitKarma's free Benefit Eligibility Screener can also tell you if you qualify for Medicaid instead.