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Special Enrollment Period (SEP)

A special enrollment period (SEP) is a period of time when you can enroll in a private health plan or change enrollment to another private plan if you experience a qualifying life event, like having a baby, getting married, moving to a new area, or losing other health coverage. 

If you qualify for a SEP, you usually have up to 60 days following the event to enroll in a plan. If you miss that window, you have to wait until the next open enrollment period.

Has your income changed because of COVID-19? You may have new options for enrolling in coverage or increased financial help toward paying for your current plan.

Apply for a SEP

Step-by-step instructions on how to apply for a SEP.

Qualifying Life Events

See what life events qualify for a special enrollment period, enrollment deadlines, documents needed and when coverage starts.

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