Enroll After a Life Event

Special Enrollment Period

Had a major life change? You may be able to enroll in a health plan right now, outside Open Enrollment. A licensed agent confirms whether you qualify and helps you enroll before your window closes.

Enroll now if you had a qualifying event
Losing coverage, moving, marriage, a new baby
Windows are limited — do not wait
Free help from a licensed agent

Free quote · No obligation · Takes ~60 seconds

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What a Special Enrollment Period is

A Special Enrollment Period (SEP) lets you enroll in or change a health plan outside the normal Open Enrollment window when you have a qualifying life event. These windows are time-limited, usually around 60 days from the event, so acting quickly matters.

If you qualify, you can enroll in an ACA marketplace plan just as you would during Open Enrollment, including any subsidy you are eligible for.

Qualifying life events

Common events that can open a Special Enrollment Period include:

Losing other coverage (a job, a spouse’s plan, aging off a parent’s plan, or COBRA ending)
Getting married or divorced
Having a baby, adopting, or gaining a dependent
Moving to a new ZIP code or county
Certain changes in income or household status

Do not wait for the window to close

Because SEP windows are short, the safest move is to confirm your eligibility right away. A licensed agent verifies whether your event qualifies, gathers what you need, and helps you enroll before the deadline, at no cost to you.

Reviewed by licensed insurance agents

This information is provided by the licensed agents at Affordable Insurance Plans (National Producer Number 21004595), an independent broker. It is general education, not a plan recommendation. We are not affiliated with HealthCare.gov, any state marketplace, or any government agency. Speak with a licensed agent for advice about your situation.

Frequently Asked Questions

Common qualifying events include losing coverage, getting married or divorced, having a baby, adopting, or moving. You usually have about 60 days from the event to enroll. A licensed agent confirms whether your situation qualifies.

Typically around 60 days from the qualifying event, though it varies. Because the window is short, it is best to confirm eligibility and enroll right away. An agent can help you move quickly.

Yes. If you qualify for an SEP and meet the income requirements, you can receive the same premium tax credit you would during Open Enrollment. A licensed agent checks your eligibility for free.