SPECIAL ENROLLMENT PERIOD
A time outside of the open enrollment period during which you and your family have a right to sign up for health coverage. In the Marketplace, you qualify for a special enrollment period (SEP) 60 days following certain life events that involve a change in family status or loss of other health coverage. Job-based plans must provide a special enrollment period of 30 days.
LIFE EVENTS THAT MAY QUALIFY YOU FOR A SEP
- Getting married
- Having a baby
- Adopting a child or placing a child for adoption or foster care
- Losing other health coverage
- Moving to a new permanent residence (including permanently moving to the U.S. from a foreign country)
- Gaining citizenship or lawful presence in the U.S.
- Leaving incarceration
- For people already enrolled in Marketplace coverage: Having a change in income or household status that affects eligibility for premium tax credits or cost-sharing reductions
Note: Voluntarily quitting a Marketplace plan mid-year doesn’t qualify you for a Special Enrollment Period.
FYI – Members of federally recognized Indian Tribes or Alaska native shareholders can enroll in or change plans once per month any time of year (not just during Open Enrollment).