Choosing the right health insurance plan can feel overwhelming — especially when life throws changes your way. Most people know about the Open Enrollment Period (OEP), the yearly window when you can shop, compare, and switch health plans. But what happens if your situation changes after Open Enrollment closes?
That’s where Special Enrollment Periods (SEPs) come in.
In this guide, we’ll break down exactly what Special Enrollment Periods are, who qualifies, the events that trigger eligibility, and how to take advantage of this important opportunity to update your health coverage when you need it most.
A Special Enrollment Period (SEP) is a limited window that allows you to enroll in or change health insurance outside the annual Open Enrollment Period after a qualifying life event. Common triggers include losing coverage, getting married, having a baby, moving, or experiencing certain income changes. Most SEPs last 60 days, making timing critical if you need coverage now.
If you missed Open Enrollment or your life circumstances have changed, understanding Special Enrollment Periods can help you avoid coverage gaps and find a plan that better fits your needs and budget.
Normally, you can only enroll in or change Marketplace health plans during the yearly Open Enrollment Period. But life doesn’t always follow a schedule — so SEPs give you flexibility when unexpected events occur.
Why SEPs matter:
They help you avoid being stuck in plans that no longer fit your needs.
They ensure coverage continuity after major life events.
They protect against gaps in health insurance.
Not everyone can qualify for a SEP — it’s only available if you experience certain life changes that affect your health coverage needs.
Here are the most common qualifying events:
Losing existing health insurance — whether through job loss, aging out of a parent’s plan, or termination of coverage — can make you eligible for a SEP.
Marriage, divorce, birth of a child, or adoption are all major life events that can trigger SEP eligibility.
If you move to a different ZIP code or county, especially to a location where your current plan doesn’t operate, you may qualify for an SEP.
Certain income changes can make you eligible for financial assistance — or change the plans available to you.
Other events — such as gaining citizenship or release from incarceration — may also qualify.
💡 Note: You usually have 60 days from the date of the qualifying event to enroll or change plans under a Special Enrollment Period.
Once you’ve experienced a qualifying event:
Report the qualifying event to your health insurance Marketplace or plan administrator.
Submit documentation, if required (e.g., proof of marriage, loss of coverage, etc.).
Shop and compare plans within your SEP window.
Select and enroll in the plan that best meets your healthcare and budget needs.
Choosing the right plan during an SEP is a crucial decision — and you don’t have to do it alone.
Missing your SEP window can leave you waiting until the next Open Enrollment Period — which could be months away. That means:
Limited access to care
Higher out-of-pocket costs
Coverage gaps during critical moments
Making changes during your SEP ensures you stay protected when life changes.
If you’ve experienced a life event that may qualify you for a Special Enrollment Period, now is the perfect time to explore your options.
At Health Trust Financial, we make it easy to find the coverage that fits your life, your budget, and your future. Don’t wait — start comparing plans now and secure the peace of mind you deserve.
Special Enrollment Periods are a valuable opportunity to adjust your health coverage when life changes. Whether you’ve lost coverage, added a family member, or moved to a new area, understanding SEPs ensures you have the flexibility to choose the right plan when you need it most.
If you’re unsure whether you qualify or want help navigating your options, Health Trust Financial is here to help — starting with comparing plans today.