Special Enrollment Period

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What is a Special Enrollment Period?

A Special Enrollment Period (SEP) is a time during or outside the annual Open Enrollment Period (Nov. 1 through Jan. 15) when you can sign up for Individual and family health coverage if you've experienced a qualifying life event (QLE).

The coverage you need, the value you deserve

Did you know that 4 out of 5 Michigan residents could pay $10 or less per month1 for a MyPriority® plan? Fill out this short form and we'll provide Special Enrollment Period (SEP) information and guidance to help you select the best plan for your needs and budget. We'll share important deadlines, money-saving tips and the steps to take before and after enrolling.

Qualifying life events

A qualifying life event (QLE) is a change in your life situation that makes you eligible for a SEP. Here are examples of common QLEs:

  • Losing your job, leaving your job or retiring early
  •  Losing COBRA coverage
  •  Losing Medicaid or Children's Health Insurance Program (CHIP) coverage
  •  Moving
  •  Getting married or divorced
  • Death of a policyholder
  •  Birth, adoption, foster care or otherwise gaining a dependent
  •  Turning 26 and losing coverage under a parent's plan
  •  Becoming a U.S. citizen
  •  Leaving incarceration

How does a Special Enrollment Period work?

There are many important things to keep in mind about a SEP:

  • In most cases, you will only have 60 days before or after your QLE to enroll in a plan.
  • You may be asked to provide documentation to confirm that you qualify, such as a marriage certificate or proof that you've moved.
  • Your coverage will start when you enroll in a plan, but you can't use it until you confirm you qualify and pay your first premium.
  • Voluntarily canceling health coverage or having your plan terminated for not paying your premium is not considered a QLE and does not qualify you for a SEP.

See why members love MyPriority

With $0 preventive care, a large network and 24/7 virtual urgent care, it's no wonder more than 89%2 of members stay with a MyPriority plan year over year. MyPriority plans also include:

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You may qualify for financial assistance

In 2025:

  • An individual with an income of $60,240 can still qualify for financial assistance
  • A family of four can qualify with an income of $124,800

Our Learning Center offers a wealth of informative articles, videos, and resources to assist you with financial assistance, shopping and enrolling during an SEP./p>

Learning Center
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Don't qualify for a Special Enrollment Period?

If you don't qualify for a SEP, you can purchase a MyPriority Short-term plan or wait until the next annual Open Enrollment Period.

1Priority Health CMS Enrollment Data, January 1, 2024

2Marketplace fact sheet

3America’s Best Customer Service 2025 | Newsweek

4HSA plans are subject to deductible