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Songer Benefits, Inc. Blog

All You Ever Wanted to Know About Insurance

Health Insurance Enrollments Outside of Open Enrollment

Open Enrollment may be over, but you may still be able to enroll Health Insurance coverage for Plan Year 2022 if they qualify for a particular enrollment period (SEP).

 A SEP is a time outside the annual Open Enrollment Period when individuals may enroll in or change qualified health plans (QHPs). Individuals qualify for SEPs based on certain life events, including:

  • Loss of qualifying health insurance coverage (Note: This SEP does not include loss of coverage due to nonpayment of premiums.)
  • Change in household size
  • Change in the primary place of living that results in access to new QHPs
  • Change in eligibility for Marketplace coverage or help to pay for coverage
  • Enrollment or plan error
  • Other situations and exceptional circumstances

 You who are members of a federally recognized Indian tribe or Alaska Native Claims Settlement Act Corporation shareholders can sign up for or change plans once per month throughout the year. In most cases, you have 60 days from the date of the qualifying event to enroll in coverage. If you are in Marketplace coverage for the first time, you may need to submit documents to prove SEP eligibility.