Special Enrollment Period Qualifier
Missed Open Enrollment? Check if a recent life event qualifies you to enroll now.
Step 1: Select your life event
Which of these happened (or will happen) to you?
What is a Special Enrollment Period?
A Special Enrollment Period (SEP) lets you sign up for health insurance outside the annual Open Enrollment window. You must have a qualifying life event — such as losing existing coverage, moving, getting married, or having a baby — to be eligible.
Most SEPs give you 60 days from the qualifying event to enroll in a marketplace health plan. Some events (like losing coverage) also allow you to enroll up to 60 days before the event if you know the date in advance.
If you qualify for a SEP, you may also be eligible for premium tax credits (subsidies) that reduce your monthly cost. Use our subsidy calculator to estimate your savings.
This tool provides general guidance only. Special Enrollment Period eligibility is determined by HealthCare.gov or your state marketplace. Contact the marketplace directly to confirm your eligibility and enroll.