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Three generation family in the country

Now that open enrollment for 2016 is over, the only way you can get an individual health policy is if you qualify for the Special Enrollment Period (SEP). In order to do so, you would need to have experienced a qualifying life event.This is handy information for someone still wanting to get health insurance! If you still need or want to get health insurance, you can view the list below to see if you qualify for the special enrollment period (SEP).

Special Enrollment Period (SEP)

Qualifying Events
MUST ENROLL WITHIN 60 DAYS OF QUALIFYING EVENT (unless otherwise noted)

  • Recent or approaching loss of minimum essential coverage
    • Recent or approaching loss of minimal essential coverage includes, but is not limited to, the loss of coverage due to:
      • legal separation or divorce
      • losing dependent eligibility
      • death
      • termination of employment
      • reduction in the number of employment hours
      • retirement
      • exhausting COBRA coverage
      • becoming Medicare eligible
  • Birth, court order, adoption, placement for adoption, or placement for foster care
    • An individual gains a dependent or becomes a dependent through birth, adoption, placement for adoption, placement for foster care, or is required to purchase insurance for a dependent as the result of a court order (e.g. child support).
  • Newly married or newly eligible domestic partner
    • An individual newly gains a dependent or becomes a dependent through marriage or newly eligible domestic partner.
  • Gained access to new health insurance coverage as a result of a permanent move
    • An individual gains access to new health care plans as a result of a permanent move (including a move outside of the service area of the individual’s current plan).
  • Expiration of a Non-Calendar Year Policy
    • An individual enrolled in a non-calendar year individual health care policy has a limited one time open enrollment period that is available 90 calendar days prior to the date the policy ends.
  • Became legally present in the United States
    • An individual who had not been legally present has gained legally present status by becoming a citizen of the United States, permanent resident, visa holder, or otherwise authorized resident.
  • Individual’s loss of eligibility for Advanced Premium Tax Credit or Cost-Sharing
    • An individual loses their eligibility for an Advanced Premium Tax Credit or Cost-Sharing.
  • Special Enrollment Periods for complex issues
    • Exceptional circumstance
    • Misinformation or misrepresentation
    • System errors related to immigration status
    • Display errors on HealthCare.gov
    • And more

 

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