Some life changes don’t fit into “loss of coverage,” “household changes,” or “moving” — but they can still make you eligible for a Special Enrollment Period (SEP).
Work with a local advisor, they can help you determine if you qualify and guide you through the entire process so you don’t miss your chance to get coverage.
You may be eligible for a SEP if you’ve experienced any of the following:
Gaining U.S. Citizenship or Lawful Presence
-If you recently became a U.S. citizen, national, or lawfully present in the U.S., you may qualify.
Leaving Incarceration
-This includes being released from prison or jail.
AmeriCorps Members
-Starting or ending service with AmeriCorps State and National, VISTA, or NCCC.
Gaining or Becoming a Dependent Through a Court Order
-If a court orders someone to be added to your plan, you may qualify.
Medicaid or CHIP “Unwinding”
-Losing Medicaid or CHIP due to changes in eligibility after the public health emergency ended.
Errors or Misrepresentation
-If the Marketplace or your plan made an error that caused you to lose coverage or miss your enrollment opportunity.
Exceptional Circumstances
-Natural disaster, serious medical emergency, or other events recognized by the Marketplace.
In most cases, your 60-day enrollment window begins:
-On the date of the qualifying event (citizenship, release from incarceration, court order, etc.)
-On the date your coverage ends (for Medicaid unwinding or errors)
The Marketplace may request:
-Naturalization certificate or immigration documents
-Court order paperwork
-Release papers from incarceration
-Medicaid or CHIP termination notice
-Written notice of a Marketplace or plan error
A local Marketplace advisor can help you:
-No-cost enrollment help from licensed Utah agents
-Clear guidance on Special Enrollment Period (SEP) rules and deadlines
-Personalized plan recommendations tailored to your situation and budget
-Step-by-step support to make sure your coverage starts on time
Book an appointment dtoday and get the coverage you need without the confusion
