There are a few things you should know about Special Enrollment Periods (SEPs) before you fill out an application for 2016 coverage with an SEP.
Any 2016 plan you enroll in with a Special Enrollment Period ends December 31, 2016. This is true no matter what month in 2016 your coverage starts.
To qualify for a Special Enrollment Period, you must have a qualifying life event.
Qualifying Life Events: Here are some examples of qualifying life events for special enrollment period:
- Marriage or divorce
- Having a baby, adopting a child, or placing a child for adoption or foster care
- Moving your residence, gaining citizenship, leaving incarceration
- Losing other health coverage—due to losing job-based coverage, the end of an individual policy plan year in 2016, COBRA expiration, aging off a parent’s plan, losing eligibility for Medicaid or BadgerCare, and similar circumstances. Important: Voluntarily ending coverage or failure to pay premium doesn’t qualify you for a Special Enrollment Period. Neither does losing coverage that doesn’t qualify as minimum essential coverage.
- For people already enrolled in Marketplace coverage: Having a change in income or household status that affects eligibility for premium tax credits or cost-sharing reductions
Once a qualifying life event occurs, you have up to 60 days to enroll or update. FCIS is here to help you with your special enrollment period and help determine if you qualify.