Now that the Open Enrollment Period (OEP) has ended, you’ll need to experience a qualifying event to begin a Special Enrollment Period (SEP). A Special Enrollment Period is a time when you can enroll in a qualified health insurance plan outside of Open Enrollment.
Examples of qualifying events
For the purpose of triggering a Special Enrollment Period, these are qualifying life events allowed by law:
- Loss of existing health coverage because of a:
- Changes in your family due to:
- Loss of eligibility for:
- Permanently moving to a new location that has a different coverage area
- Expiration of your COBRA benefits
- Graduating college or losing coverage from your parent’s health plan
- Gaining or losing a dependent
- Gaining citizenship
- Change in disability status
- Returning from active military service
- Certain changes in your income
- Release from incarceration
- Change in your household size
- Coverage ordered by court order or Chapter 11 filing.
- Other, more complicated situations and events
More about Special Enrollment Periods
If you have a qualifying event that triggers a special enrollment period, we recommend that you have documentation of your qualifying life event with you when you apply for new coverage – whether you apply online or offline.
You should also be aware that if you voluntarily cancel your existing coverage or lose it because you didn’t pay your premiums or other bills, you’re not likely to qualify for a Special Enrollment Period .
To see if you qualify for a Special Enrollment Period and possibly government assistance to help pay for your medical insurance, give some information about you, and you can take a look at your health plan options now by clicking here.