Special Enrollment Period (SEP)
A Special Enrollment Period lets you buy or switch an ACA Marketplace health insurance plan outside the annual Open Enrollment window if you experience a qualifying life event. You generally have 60 days from the event to enroll.
Qualifying life events
Loss of health coverage
Job loss, aging off a parent's plan at 26, losing Medicaid/CHIP, expiration of COBRA, or end of a student plan.
Household changes
Marriage, divorce, having a baby, adopting a child, or a death in the family.
Change of residence
Moving to a new ZIP code, county, or state; moving to or from a shelter; students moving to or from school.
Change in income
New income that affects subsidy eligibility (in some cases).
Gaining citizenship or lawful status
Becoming a U.S. citizen, national, or lawfully present resident.
Errors or exceptional circumstances
Enrollment errors, natural disasters, or serious medical conditions may qualify.
How to apply
- Confirm your qualifying life event and note the event date.
- Gather documentation (termination letter, birth certificate, lease, etc.).
- Talk to a licensed TruePath agent — we'll match you to a plan and file the application for you.
- Submit within 60 days of the event so coverage isn't delayed.
Not sure if you qualify? Call (866) 245-5058 — it takes about five minutes to confirm.