Special Enrollment Period
Special Enrollment Dates:
After Open Enrollment ends, you can enroll in a private health plan only if you qualify for a Special Enrollment Period due to changes to your household, income, and some other factors. How do you know? Let FCIS help!
December 15, 2018 – November 30, 2019
Before you apply with an SEP
There are a few things you should know about Special Enrollment Periods (SEPs) before you fill out an application for 2019 coverage with an SEP.
Any 2019 plan you enroll in with a Special Enrollment Period ends December 31, 2019. This is true no matter what month in 2019 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, 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.
Do you qualify for Special Enrollment?
At FCIS, we can help determine if you qualify and help with your options.
Our focus is not just on the bottom line. Our primary goal in working with clients is helping them find the products and strategies that fit their needs and offer the best solutions based on coverage and budget. Our approach is informative and our practice is service-oriented.