Health Insurance Enrollment
What is a Special Enrollment Period for health insurance?
A Special Enrollment Period (SEP) is a time outside the regular Open Enrollment Period when you can enroll in or change your health insurance plan. SEPs are triggered by qualifying life events such as losing job-based coverage, getting married, having a baby, or moving.
Key Points
- SEP: enroll or change plans outside Open Enrollment
- Triggered by qualifying life events
- Qualifying events: losing job-based coverage, marriage, birth/adoption, moving, gaining citizenship
- SEP window: typically 60 days from the qualifying event
- An independent agent can help you determine if you qualify for a SEP