Special Enrollment Period

You might qualify if you had a life changing event:


Examples of qualifying life events include:

Marriage or divorce
Having a baby, adopting a child, or placing a child for adoption or foster care
Moving your residence, gaining citizenship, leaving incarceration
Losing other health coverage due to:

losing job-based coverage,
the end of an individual policy plan year in 2014,
COBRA expiration,
aging off a parent’s plan,
losing eligibility for Medicaid or CHIP,
and similar circumstances.


Important:  Voluntarily ending coverage doesn’t qualify you for a Special Enrollment Period. Neither does losing coverage that doesn’t qualify as minimum essential coverage.
For people already enrolled in Marketplace coverage: 
Having a change in income or household status that affects eligibility for premium tax credits or cost-sharing reductions Gaining status as member of an Indian tribe.  Members of federally recognized Indian tribes can sign up for or change plans once per month throughout the year. You may also qualify for a Special Enrollment Period if you had a complex situation related to applying for 2014 Marketplace coverage.
​See 2014 plans and price estimates before you apply with an SEP. You can preview plans and estimated prices that apply only to 2014 coverage you can get with an SEP. 2015 plans and prices will be available soon. Detailed information about health insurance plans and pricing for 2015 health insurance coverage will be available in early November. 

Getting Health Coverage outside of Open Enrollment 

After Open Enrollment ends, you can enroll in a private health plan through the Marketplace only if you qualify for a Special Enrollment Period due to changes to your household, income, and some other factors like major life events. 

Do I qualify for a Special Enrollment Period?

Find out by using the Healthcare.gov Special Enrollment Period screener.  If you qualify for a Special Enrollment Period start an application right away. 

​Before you apply with an SEP

There are a few things you should know about Special Enrollment Periods (SEPs) before you fill out an application for 2014 coverage with an SEP. Any 2014 plan you enroll in with a Special Enrollment Period ends December 31, 2014.  This is true no matter what month in 2014 your coverage starts.
To qualify for a Special Enrollment Period, you must have a qualifying life event.

Special Enrollment Periods

Affordable Care Act