Guides to Special Enrollment Period (SEP) Triggers and Timing
Updated October 2020
The Marketplace open enrollment period is the regular time each year when people can newly enroll in a qualified health plan or change to a different plan through the Marketplace. But certain events that occur during the year can trigger a special enrollment period (SEP), when a person may be able to newly enroll in a Marketplace plan or change to a different plan.
This SEP Reference Chart is a tool for those who are helping people enroll in health coverage through a special enrollment period. It focuses on the circumstances that trigger a SEP in the Marketplace, who can trigger a SEP, and the effective date of coverage once a health plan is selected.
Amid the COVID-19 pandemic, and the economic crisis that came about as a result, this abbreviated SEP Reference Chart provides a list of the most common SEPs used during this time.
A change to the HealthCare.gov application implements the “FEMA SEP” to allow people who missed their 60-day SEP window, to enroll in Marketplace coverage. This fact sheet explains what the FEMA SEP is and how it works.
Webinar: Special Enrollment Periods | View webinar
Minimum Essential Coverage Reference Chart | View chart