Your Source for Health Reform

Topic: Special Enrollment Period



You can sign up for coverage outside of open enrollment if you have certain life events, such as changes in your income or your family size. If you marry, divorce, have a baby or a serious illness, you qualify for a special enrollment period.


Keeping 30 Million Covered

This November 2015 report from the Urban Institute analyzes the number of people who qualify for special enrollment periods for the health insurance marketplace as well as how many people are taking advantage of them.

Milestones Bring New Health Coverage Choices

This chart from the Center on Budget and Policy Priorities focuses on life events that trigger a special enrollment period for the Marketplace, who qualifies and the effective date of coverage once a health plan is selected. The resource has been updated for the 2016 enrollment period.

A Safety Plan That Includes Health Insurance

This October 2015 tip sheet from In the Loop explains how survivors of domestic violence can purchase a Marketplace plan and qualify for financial assistance after leaving their abuser.

Retiree Coverage Choices

This flowchart from In The Loop illustrates the insurance options for employees who retire before they are eligible for Medicare.

A Job Change Doesn’t Have to Mean Losing Health Coverage

This September 2014 blog post on Monster.com explains that people who have lost job-based insurance can qualify for a special enrollment period, allowing them to enroll in a Marketplace plan.

Limited Circumstance Special Enrollment Periods

This August 2014 fact sheet from CMS describes two limited circumstances, beyond life events and other previously announced limited circumstances, that consumers may experience which make them eligible for a special enrollment period.

More SEPs for Consumers with Medicaid Denials

This August 2014 fact sheet from In the Loop describes two limited circumstances, beyond life events and other previously announced limited circumstances, that some consumers who applied for and were denied Medicaid or CHIP may experience which make them eligible for an SEP.

7 Things to Know About Reporting a Life Change

Once you have Marketplace coverage, it’s important to make sure your information stays up to date. This information may change the coverage or savings you’re eligible for. It’s important to report life changes to the Marketplace right away. This July 2014 fact sheet from HealthCare.gov gives you all the details.

Special Enrollment Periods Explained

This IHM-original guide explains the opportunities people have to enroll in health coverage outside of open enrollment periods.