Special Enrollment Period

You can buy health coverage outside of the open enrollment period only when you have a qualifying life event—through a special enrollment period (SEP). Most SEPs last 60 days from the date of the qualifying life event.

Qualifying life events for a SEP include:

  • Getting married or entering a domestic partnership
  • Child aging off a plan
  • Gaining a dependent or becoming a dependent through marriage, birth, adoption, or placement for adoption or foster care
  • Permanently moving to a new area that has different health plan options
  • Employer coverage that is not considered minimum essential coverage
  • Loosing other healthcare coverage that is considered minimum essential coverage, such as due to job loss or expiration of COBRA coverage
  • Returning from active military service
  • Change in eligibility for advanced premium tax credit or cost-sharing subsidies

Please note that voluntarily terminating other health coverage or being terminated for not paying premiums is not considered a qualifying event. 

 

Special Enrollment Checklist - English
2015 SEP Checklist_A47614.pdf
Adobe Acrobat document [131.8 KB]
Special Enrollment Checklist - Chinese
2015 SEP Checklist_A47614-CH.pdf
Adobe Acrobat document [308.3 KB]

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