Life changes often mean your health insurance needs change, too. If you’ve had certain changes in your household, you may qualify for a Special Enrollment Period (SEP) — giving you 60 days to sign up for or update your Marketplace health insurance.
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 qualify for a SEP if you’ve experienced any of these events:
Marriage
-Getting married creates a SEP for both spouses.
-Coverage can start as soon as the first day of the month after you apply.
Birth of a Baby
-Newborn coverage can start the day of birth.
-You can also add your baby to an existing plan or choose a new one.
Adoption or Foster Care Placement
-Includes adoption, placement for adoption, or placement in foster care.
-Coverage can begin the day of the event.
Divorce or Legal Separation
-You must have lost health coverage due to the separation or divorce to qualify.
Death in the Family
-If the death results in losing coverage (for example, the policyholder passes away), you may qualify.
-Marriage to someone who already has coverage without losing your own coverage
-Voluntarily removing a dependent without a qualifying event
For most household changes, your 60-day window begins:
-On the date of the event (for births, adoptions, foster placements)
-On the date you lose coverage related to the change (for divorce or death in the family)
Tip: If you apply before the event takes effect (such as before your wedding), coverage can often start right after the event.
The Marketplace typically requires proof of the event, such as:
-Marriage certificate
-Birth certificate or hospital record
-Adoption or foster placement papers
-Divorce decree
-Death certificate
We’ll help you submit the correct documents the first time so your application isn’t delayed.
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
