What Is a Special Enrollment Period for ACA Health Insurance?
Life doesn’t always follow a set schedule—and thankfully, neither does health insurance. If you missed the annual Open Enrollment Period for ACA (Affordable Care Act) coverage, you might still qualify for a Special Enrollment Period (SEP).
What Is a Special Enrollment Period?
A Special Enrollment Period is a window of time outside of Open Enrollment when you can sign up for a Marketplace health plan. But unlike Open Enrollment, SEPs require you to have a qualifying life event.
Common Qualifying Events:
Losing employer-sponsored health insurance
Getting married or divorced
Having a baby or adopting a child
Moving to a new ZIP code or county
Turning 26 and aging off a parent’s plan
Gaining or losing eligibility for Medicaid or CHIP
How Long Do You Have to Enroll?
You typically have 60 days from the date of the qualifying event to enroll in a new plan or make changes to your current coverage.
Need Help? We’ve Got You Covered.
At Valora Benefits Group, we help you determine if you qualify for a Special Enrollment Period and walk you through your health plan options—on or off the Marketplace. Our support is always free, and we’re here to make sure you don’t miss your chance to get covered.
📞 Call us at (616) 287-3223 or schedule a consultation today!
