Time-limited special enrollment opportunity (SEP)

• Begins April 17, 2023, available through Tuesday, October 31, 2023
• For family members enrolled in non-calendar year employer-sponsored insurance (ESI) that is unaffordable under new “family glitch fix”
• Their last day of coverage under an employer’s non-calendar-year family plan must fall during this SEP’s time frame
• The family member must be eligible for APTC greater than $0 after they voluntarily term their calendar year ESI coverage
• The SEP window is 30 days instead of standard 60-day window

Steps for Reporting the SEP

1. Consumer should use the Affordable Employer Coverage Tool to get an eligibility estimate. 
2. If they want to continue pursuing coverage, they should complete an application including the information that they ARE enrolled in ESI.
3. After completing an application, they must call MNsure to report the SEP. They will be asked to submit Appendix A – but should not terminate ESI until they have received their new eligibility from MNsure.
4. Once Appendix A is processed, MNsure will notify the consumer of their new eligibility and direct the consumer to submit verifications (including Loss of ESI verification and proof of non-calendar year policy). Consumer must submit verifications within 30 days of Appendix A being processed.
5. After verifications have been approved, MNsure will open shopping. Consumer will be notified that they have 30 days to select a plan.