Every year millions of Americans enroll into Marketplace plans between November 1st and December 15th during Open Enrollment Period (OEP). The remainder of the year is referred to as Special Enrollment Period (SEP).
Qualifying for Special Enrollment Period
In order to be eligible to enroll during SEP, beneficiaries must meet one of the Qualifying Life Event (QLE) requirements and depending on the QLE, will have 60 days before and/or 60 days after the event to enroll.
So what are these QLEs? See the below chart to find out!
*Your client can pick a plan by the last day of the month and your coverage can start the first day of the next month.
**Your client's coverage can start the day of the event-- even if you enroll in the plan up to 60 days afterwards.
***Examples include a change in household income that makes your client ineligible for Medicaid, they may become ineligible for pregnancy-related or medically needy Medicaid, or their child ages off CHIP.
**** You may qualify for a Special Enrollment Period if you become no longer eligible for premium-free Medicare Part A.
***** ICHRA = Individual coverage HRA; QSEHRA = Qualified Small Employer Health Reimbursement Agreement;
Get started with SEP enrollments today
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