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.*
Also known as
Related terms
- ACA (Affordable Care Act)
A federal law (signed 2010) that expanded access to health insurance by creating the Health Insurance Marketplace, establishing income-based subsidies, and requiring insurers to cover pre-existing conditions.
- COBRA
A federal law that allows workers and their families to continue employer-sponsored health insurance coverage for a limited period after losing a job or experiencing another qualifying event.
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Frequently asked questions about Special Enrollment Period
What is a Special Enrollment Period?+
A Special Enrollment Period is a special time, outside of the usual yearly Open Enrollment, when you can sign up for or change your health insurance. It happens when certain big life changes occur, like getting married, having a baby, or losing other health coverage. It helps make sure you can get health care when you need it.
Who can get coverage during a Special Enrollment Period?+
You can get coverage during a Special Enrollment Period if you have a qualifying life event. These events include things like moving, getting married or divorced, having a baby or adopting a child, or losing other health insurance you had. These events open a special window for you to act.
How do I apply for health insurance during a Special Enrollment Period?+
To apply, you usually need to visit the Health Insurance Marketplace website or contact them directly. You will need to show proof of your qualifying life event. It's important to apply quickly, as these special periods usually only last for a short time after your event.
When does a Special Enrollment Period start and end?+
A Special Enrollment Period often starts because of your qualifying life event. For most events, you have 60 days from the date of the event to enroll in a new plan or change your current one. Some events might offer slightly different timeframes, so it is good to check your specific situation.