Special Enrollment Period

Do you qualify for the Special Enrollment Period?

If you qualify for a Special Enrollment Period, you can enroll in health insurance outside the annual Open Enrollment period.

You qualify for a Special Enrollment Period (SEP) if you’ve had certain life changes like getting married, having a baby, or losing job-based health insurance. These are called “qualifying life events.”

You can qualify for a special enrollment period if any of the following applies to you:

 


 

Marriage

  • Coverage can take effect: The first day of the month after you enroll
  • Enrollment window: Up to 60 days after your marriage. (You can’t enroll until after the marriage.)

 

 

Having a Child

 

 

 

Turning 26 Years Old

  •  Aging off a parent’s coverage at 26

 

 

Losing Current Health Care Coverage

  • This could include losing a job-based plan, losing coverage through divorce, losing eligibility for Medicaid or CHIP, and similar events:
  • Coverage can take effect: The first day of the month after you enroll and after the loss of coverage
  • Enrollment window: From 60 days before to 60 days after losing your other coverage Important: If you leave your job for any reason and lose your job-based health coverage, you qualify for a Special Enrollment Period. But you don’t get an SEP if you voluntarily drop: a job-based plan without leaving your job; an individual insurance plan; unexpired COBRA coverage; or any plan that doesn’t qualify as minimum essential coverage.

 

New to Illinois

  • First time resident of Illinois
  • Returning to Illinois as a resident

 

 

 

 

 

 


 

Other qualifying life events

In addition to the situations above, the following life events also qualify you for a Special Enrollment Period. But if they happen during Open Enrollment, your coverage can’t start any sooner than it would without an SEP.

 

Still have questions?

 

Fill out the form below and we will have a licensed agent get back to you with the answers that you need.

Special Enrollment Period Form

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