Let’s start with what a Special Enrollment Period (or SEP) actually is. A SEP is a window of time, outside of Obamacare’s Open Enrollment Period, during which eligible individuals are able to sign up for health insurance.

So how do you know if you’re eligible?  An individual is eligible for their own Special Enrollment Period when he or she experiences, what is called, a qualifying life event.  Without one of these events, you have to wait until the next open enrollment period to get covered by a new insurance policy.

What does that Special Enrollment Period window look like?  It does depend on the actual event, but at the very least it starts on the date of your qualifying event and ends 60 days later.

So What Counts as a Qualifying Event?

Common Qualifying Life Events that trigger a Special Enrollment Period

Though not a full list, here are some of the most common:

  • Getting married
  • Having a baby
  • Losing  health coverage
  • Becoming a US Citizen
  • Relocating out of state

But don’t forget, you only have 60 days from the date of your event to take advantage of your Special Enrollment Period.  Let us help so that you can rest easy.

We have licensed agents standing by to help you enroll. Call HealthMarkets at (800) 304-3414 to speak with a knowledgeable insurance professional to get assistance with finding new coverage and answer any questions you may have.

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