A Special Enrollment Period (SEP) is a window of time outside of Open Enrollment when you can sign up for or change your health insurance plan. SEPs are triggered by a Qualifying Life Event (QLE) — a major change in your life that affects your coverage needs or eligibility.
You generally have 60 days from the date of the qualifying event to enroll. Miss that window and you’ll wait until the next Open Enrollment Period.
Events that trigger a Special Enrollment Period:
Important for 2026: the low-income SEP that previously allowed enrollment year-round without a qualifying event was eliminated. An SEP now requires a documented qualifying life event regardless of income.
When you apply during an SEP, you’ll need to provide documentation proving the qualifying event occurred. Your broker can help you identify which documents are required and submit them correctly to avoid delays.
You generally have 60 days from the date the event occurred. For some events like pregnancy, you may be able to enroll up to 60 days before the expected due date. Coverage typically starts the first of the month after enrollment, though losing coverage involuntarily may allow for same-day or faster start dates.
Voluntarily canceling your current plan does not trigger an SEP. Neither does a change in income alone. An SEP requires an involuntary or life-changing event that affects your coverage status or household. If you’re unsure whether your situation qualifies, a broker can verify before you apply.
.svg)