The qualifying events that
trigger special enrollment periods are discussed in more detail in our section devoted to qualifying events and special enrollment periods.
The qualifying events that
trigger special enrollment periods are the same as they were in 2017, although there's an increased focus on verifying eligibility for special enrollment periods, so be prepared to provide proof of your qualifying event.
Some commenters requested that pregnancy
trigger a special enrollment period, so that women who are either not enrolled or are enrolled in a catastrophic plan can select and enroll in or change qualified health plan coverage prior to the birth of a newborn.
And although individual market coverage is limited to set enrollment periods, loss of other coverage counts as a qualifying event that
triggers a special enrollment period, regardless of when it happens during the year.
Other commenters requested that, when an individual reports that he or she is a victim of domestic abuse,
it triggers a special enrollment period, so that he or she may select and enroll in a qualified health plan on a separate application from his or her abuser, along with any dependents.
Things that change the size of your family or cause you to lose other health insurance coverage are likely to
trigger a special enrollment period.
Similarly, if you lost other health coverage, that will
trigger a Special Enrollment Period, depending on the circumstances.
If you miss open enrollment, you can not buy health insurance from the marketplace unless there are specific «qualifying events» that
trigger a Special Enrollment Period.
And if you're let go from your job,
it triggers a special enrollment period where you can buy new health insurance.
When loss of coverage
triggers the special enrollment period, the new plan is effective the first of the month following the month when you enroll.
Note, however, that the scenario described above (when spouses» employers have mid-matched open enrollment periods and plan year start dates) does not
trigger a special enrollment period.
And while there's a lot of overlap in terms of what
triggers a special enrollment period, there are some qualifying events that are unique to the individual market under the Affordable Care Act.
Loss of coverage is a qualifying event that
triggers a special enrollment period.
And although a permanent move to a new area (where different health plans are available) is a qualifying event, it only
triggers a special enrollment period if you already had coverage prior to the move.
If your job provided the health insurance for the entire family, your spouse can initiate coverage for the family, because loss of coverage is a qualifying event that
triggers a special enrollment period, regardless of when it happens during the year.
For example, if you lose your job and thus your job - based health insurance, that would
trigger a special enrollment period on your state's health insurance exchange giving you 30 - 60 days to sign up for an exchange - based health plan even though it's not open enrollment.
If you have coverage that is not considered minimum essential coverage (a short - term plan, for example, or a fixed - indemnity policy), the loss of that plan would not
trigger a special enrollment period.
Certain qualifying events
trigger a special enrollment period (SEP) that will let you sign up for a plan on your state's health insurance exchange, or directly through a health insurance carrier in the off - exchange market.
Or they can enroll at any point during the year if they experience a qualifying event that
triggers a special enrollment period.
Here's what might
trigger a special enrollment period: divorce, marriage, birth or adoption of a child, death of a spouse or partner that leaves you without health insurance, your spouse or partner who has you covered loses his / her job and health insurance, you lose your job and with it your health insurance, your hours are cut making you ineligible for your employer's health insurance plan, or you are in an HMO and move outside its coverage area.
Becoming a U.S. citizen or gaining lawfully - present status in the U.S. is a qualifying event, which gives the person 60 days to enroll in a plan through the health insurance exchange (note that this is one of just a few qualifying events that does not
trigger a special enrollment period for off - exchange plans; the special enrollment period is only available in the exchange).
Not exact matches
General open
enrollment ended on January 31, but loss of coverage
triggers a 60 day
special enrollment period.
Louise Norris, a highly regarded expert on health insurance and author of our first guide, has put together an authoritative overview of
special enrollment periods and the qualifying events that
trigger those SEPs.
Comment: Several commenters requested HHS provide authority for additional
triggering events for
special enrollment periods.
Although loss of existing minimum essential coverage is a qualifying event that
triggers a
special open
enrollment period for ACA - compliant plans, short - term policies are not considered minimum essential coverage, so the loss of short - term coverage is not a qualifying event.
We recognize the potential for confusion, as coverage offered through an Exchange is offered by «a health insurance issuer in the individual market,» but this coverage is subject to the
special enrollment rule at § 155.420 (d), which is intended to require
special enrollment periods for
triggers including those listed in the exceptions in paragraph (b)(2)(i).
Response: With the exception of certain
triggering events specified in § 147.104 (b)(2), which are only relevant to
enrollment in a QHP through the Exchange, the same
special enrollment periods (also referred to as limited open
enrollment periods) apply throughout the individual market, both inside and outside of the Exchange.
The
special enrollment period triggered by loss of coverage begins 60 days before your existing plan's termination date, so it's possible to get a new ACA - compliant plan without any gap in coverage.
A
special enrollment period is
triggered by certain life events such as getting married or divorced, having a baby, losing your job - based health insurance, or moving out of your health plan's service area.
Furthermore, consistent with similar exclusions under the marketwide regulations for Exchange - specific
special enrollment periods, we are also clarifying that the
triggering event described at § 155.420 (d)(6) will not create a
special enrollment period to enroll outside the Exchange to the extent it concerns an individual who becomes newly eligible for APTC or who has a change in eligibility for cost - sharing reductions other than a total elimination of eligibility, since financial assistance is only available for coverage purchased through an Exchange.
Be aware, however, that a
Special Enrollment Period is not
triggered if you elect to discontinue your COBRA benefits or stop paying for them.
Special enrollment periods are generally
triggered by big life events, including:
Enrollment is limited to the annual open enrollment window that starts each fall on November 1, or a special enrollment period triggered by a qualifying event, but insurers no longer ask about medical history when you apply for
Enrollment is limited to the annual open
enrollment window that starts each fall on November 1, or a special enrollment period triggered by a qualifying event, but insurers no longer ask about medical history when you apply for
enrollment window that starts each fall on November 1, or a
special enrollment period triggered by a qualifying event, but insurers no longer ask about medical history when you apply for
enrollment period triggered by a qualifying event, but insurers no longer ask about medical history when you apply for coverage.
Section 147.104 (b)(2) incorporates certain
triggering events for
special enrollment periods described in the Exchange regulations at § 155.420 (d), and applies them to health insurance issuers offering non-grandfathered coverage in the individual market through or outside the Exchange.
And while most
special enrollment periods follow the same deadlines and effective dates as general open
enrollment, that's not the case for
special enrollment periods that are
triggered by loss of other coverage.
During the
special enrollment period triggered by a qualifying event, you can join your spouse's insurance or vice versa.
An exception to this rule,
triggered by certain events, is a
special enrollment period.
You may qualify for a
special enrollment period triggered by loss of other coverage, and thus be eligible to enroll as late as Dec. 31 for a Jan. 1 effective date.
Here are some specific examples of
triggering events that make you eligible for a
special enrollment period:
Special enrollment periods are time - limited, usually 60 days, and are
triggered by specific types of events.
Special enrollment periods are usually
triggered when you lose your existing health insurance or have a change in family size.
Note that you can only purchase individual major medical coverage (on or off the exchange) during the annual open
enrollment period, or during a
special enrollment period triggered by a qualifying event.
For example, if you applied for a 2018 Obamacare plan during open
enrollment in the fall of 2017, OR if you're applying for 2018 coverage in mid-2018 using a
special enrollment period (
triggered by a qualifying event), you'll use the FPL figures from 2017.
And if your 2017 health insurance policy was not eligible for renewal because your insurer left the market in your area, you have until March 1, 2018 to pick a new plan, using the
special enrollment period that's
triggered by loss of coverage (there are some exceptions to this; some state - run exchanges that mapped these enrollees to new plans did not grant the
special enrollment period)
Special enrollment periods are usually
triggered by life - events that change the size of your family or your location, or cause you to lose other health insurance.
This bill would require people enrolling through the exchanges outside of open
enrollment (i.e., during a
special enrollment period triggered by a qualifying event) to provide proof of the qualifying event.
The event that is causing you to lose access to your employer - sponsored plan will also
trigger a time - limited
special enrollment period on your Affordable Care Act health insurance exchange (or for an ACA - compliant plan offered outside the exchange).
In that case, you'll have access to a
special enrollment period during which you can pick a new plan,
triggered by loss of coverage, which is a qualifying event.