If you missed Open Enrollment, you're not out of options.
Life doesn’t always follow an enrollment calendar. Maybe you changed jobs, moved, welcomed a new baby, or lost coverage unexpectedly. The good news: you may be able to sign up for health insurance outside Open Enrollment through a Special Enrollment Period (SEP).
This guide breaks down SEP “need-to-knows” in plain language—so you can take the next step with confidence.
What Is A Special Enrollment Period (SEP)?
A Special Enrollment Period is a window of time that lets you enroll in (or change) a Marketplace health plan outside the yearly Open Enrollment Period—if you have a qualifying life change.
Think of it like a “life happens” exception. When certain events affect your coverage or household, the Marketplace may allow you to pick a new plan without waiting for the next Open Enrollment.
The Most Common SEP Timelines (Don’t Miss These)
Many SEP opportunities are time-sensitive.
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Most people have 60 days after a qualifying event to enroll (and in some cases, you may be able to enroll up to 60 days before you lose coverage).
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If you lost Medicaid or CHIP, you may have up to 90 days (depending on the Marketplace rules where you live).
If you’re not sure when your clock starts, it’s still worth checking—because missing the window can mean waiting until Open Enrollment.
What Counts As A Qualifying Life Event?
A Qualifying Life Event (QLE) is a change in your situation—like losing coverage, getting married, or moving—that can unlock an SEP. Here are some of the most common QLE categories:
Not Sure If You Qualify? Totally Normal.
SEP rules can feel confusing because it depends on what happened, when it happened, and where you live.
Start here:
1. Identify your life event (lost coverage, moved, got married, etc.)
2. Write down the exact date it happened (or when coverage ends)
3. Apply and see if the Marketplace flags you as SEP-eligible.
