What is a Special Enrollment Period?

A special enrollment period (SEP) is a time outside the annual open enrollment when you can sign up for health insurance or change plans due to specific qualifying life events. These periods typically last 60 days from the qualifying event and allow individuals to obtain coverage when circumstances change unexpectedly. SEPs exist for marketplace plans, Medicare, and employer-sponsored coverage.

Why special enrollment periods matter

• Provides coverage flexibility: Allows insurance changes when life circumstances change
• Prevents coverage gaps: Ensures continuous coverage after qualifying events
• Protects consumers: Offers insurance access outside standard enrollment windows

How Solace can help

A Solace advocate can help you determine if you qualify for a special enrollment period, gather necessary documentation, and complete enrollment within required timeframes. Advocates can also assist with plan selection and ensure proper coverage effective dates.