🗓️ Missed Open Enrollment? You Might Still Qualify for Coverage with an SEP!
Open Enrollment is the main window each year to sign up for health insurance — but what if you missed it? Or what if your life suddenly changed and now you need coverage?
Good news: You may still be able to enroll through a Special Enrollment Period (SEP).
💡 What Is a Special Enrollment Period?
A Special Enrollment Period (SEP) is a time outside of Open Enrollment when you’re allowed to sign up for or change your health insurance plan. But here’s the catch — you must have a qualifying life event to trigger it.
⚠️ What Counts as a Qualifying Life Event?
Here are the most common events that make you eligible:
👶 Major Life Changes
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Having a baby
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Adopting a child
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Fostering a child
These events give you 60 days to add the child to your plan and update your coverage.
💍 Household Changes
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Getting married
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Getting divorced
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A death in your household
Marriage or divorce can affect your household size, which may change your eligibility or premium.
🚚 Moving to a New Area
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Relocating to a new ZIP code or county
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Moving back to the U.S. from abroad
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Moving out of or into a shelter or transitional housing
To qualify, you must have had health coverage before the move (with some exceptions).
💼 Loss of Health Coverage
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Losing job-based insurance
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Aging off a parent’s plan at 26
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Losing Medicaid or CHIP
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Losing COBRA coverage
You typically have 60 days from the date you lose coverage to enroll in a new plan.
📝 How Do You Sign Up During an SEP?
It’s simple — but timing is everything!
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Report your life change within 60 days (some events qualify for 90 days, but don't wait!)
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Provide proof if requested (like a birth certificate or letter from your employer)
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Choose a plan that fits your needs and budget
I am here to help with the whole process — from checking if you qualify to finding the best plan.
📣 Don’t Wait — SEPs Are Time Sensitive!
If you’ve had any recent changes in your life, don’t wait until the next Open Enrollment.
👉 Click the button below to see if you qualify and get started on your coverage today.
Still unsure if your situation counts? Let’s chat. I am a licensed agent who specialize in helping people find coverage — even when life gets messy. 💬
