Special Enrollment Periods and Qualifying Life Events(How to Get Coverage When It Is Not Open Enrollment)

Most people hear “Open Enrollment” and think, “If I miss that, I am stuck for a year.”
That is not always true.

If certain big life changes happen, you may qualify for a Special Enrollment Period (SEP). That is a window of time when you are allowed to enroll in or change your health plan outside of the normal Open Enrollment dates.

Understanding these rules can be the difference between going months without coverage or getting your family protected in time.