Most people can only sign up for health insurance during Open Enrollment.
But if you’ve experienced certain life events, you may qualify for a Special Enrollment Period (SEP) — giving you the chance to enroll in a Marketplace health plan outside of the normal enrollment window.
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.
A Special Enrollment Period is a 60-day window when you can sign up for health coverage after a qualifying life event. These events usually involve changes in your household, coverage, or residence.
During this time, you can:
-Enroll in a new plan
-Switch plans
-Update your current coverage
The most common reasons you might qualify for a Special Enrollment Period.
-Losing job-based insurance
-Losing Medicaid, CHIP, or other government coverage
-Losing individual coverage
-Getting married
-Having or adopting a baby
-Divorce or legal separation
-Death in the family
-Moving to a new ZIP code or county
-Moving to the U.S. from another country
-Moving to or from a shelter or transitional housing
-Gaining eligibility for Marketplace coverage after losing Medicaid (Medicaid unwinding)
-Gaining citizenship or lawful presence
-Leaving incarceration
For most qualifying events, you have 60 days from the date of the event to enroll.
If you miss this window, you may need to wait until the next Open Enrollment period.
-No cost to you for our services
-Licensed agents who guide you step-by-step
-Help with verifying your eligibility and providing required documentation
-We make sure you get the best plan for your needs and budget
