Had a recent life change? Certain events let you enroll in health coverage outside Open Enrollment (Nov. 1–Dec. 15) through a Special Enrollment Period (SEP). Many people who qualify for an SEP also qualify for ACA subsidies that can lower monthly premiums and out‑of‑pocket costs.
If you lost coverage, moved, got married or had a baby in the last 60 days, you may be able to enroll today.
Most life events give you 60 days to enroll.
Do I qualify for a Special Enrollment Period?
You may qualify if you’ve had one of these changes in the last 60 days:
- Lost job-based health coverage
- Got married, divorced or legally separated
- Had a baby or adopted a child
- Moved to a new ZIP code or coverage area
- Had a significant change in household income
Not all life changes qualify; eligibility depends on the event and timing. Miss your 60‑day window, and you’ll likely have to wait until Open Enrollment.