Enrollment is November 1 – December 15. Special Enrollment Period »   

Special Enrollment Period (SEP)

You may still be able to get coverage

Although Open Enrollment has ended – you can apply during a special enrollment period (SEP) if:

  • you (or another qualified individual in your family) have a life event that qualifies you for a special enrollment period
  • you report changes in a timely manner (usually within 60 days of qualifying event)
  • you report changes through the proper channels (usually either by updating your marketplace application at Healthcare.gov, or speaking to a marketplace call center representative, or through a CMS caseworker)
  • you submit any requested pre-enrollment verification of your qualifying status

Be aware that certain restrictions apply in order to complete your enrollment now that open enrollment has ended.  Also your insurance company may not accept your enrollment until you catch up on any past due premiums from prior coverage.

To view SEP eligibility and requirements – we recommend this SEP Ref Chart Feb 2020 or begin at this healthcare.gov link

Because of the complexities involved in utilizing a special enrollment period (SEP) – we recommend you get help from a certified navigator