What is the difference between a LEC and a QLE for a SEP and how is each one reported?

LECs are used to report changes to existing applications. An example of this would be if a consumer had employer-sponsored insurance that ended due to job loss or if income from their job ended. Some changes are reported online, while others must be reported by calling MNsure (or the ARC). Find details about how to report LEC changes on the /assister-central/helping-consumers/report-changes/index.jspReport Application Changes page of Assister Central.

Certain application changes may also be a qualifying life event (QLE) that can trigger a special enrollment period (SEP), creating an opportunity to enroll in or make changes to private coverage outside of the annual open enrollment period. If the consumer has an online account, they should use the questionnaire in the enrollment platform under “Confirm Event” to report a QLE. See /new-customers/enrollment-deadlines/special-enrollment/sep-apply/index.jspApply for a SEP for information on how to complete the questionnaire. If you are working with a consumer with a paper application or no online access, call the ARC with the consumer to report the QLE.

If verifications are required, they can be uploaded through the consumer’s account or through the MNsure website by searching “enrollment upload." It is important to report qualifying events as soon as possible, since the reported date, the date MNsure receives verifications, and the date of the enrollment drive the start date of the QHP plan coverage. See these resources for details and additional information: /new-customers/enrollment-deadlines/special-enrollment/sep-le/index.jspQualifying Life Events and /assister-central/helping-consumers/sep/index.jspSpecial Enrollment Period (SEP).