If you’ve had a baby, adopted a child or had a dependent placed in your care by a court order, your SEP period starts on the date of birth or placement and lasts 60 days. You’ll need to provide acceptable documentation to enroll in a plan.
Your SEP period starts on the date of your marriage and lasts 60 days. You’ll need to provide acceptable documentation to enroll in a plan.
When you lose your minimum essential health health coverage (for example, due to loss of a job), your SEP starts 60 days before loss of coverage and lasts 60 days after loss of coverage. You’ll need to provide acceptable documentation to enroll in a new plan.
When you lose your health coverage because of divorce, legal separation or death of another plan member, your SEP lasts 60 days after loss of coverage. You’ll need to provide acceptable documentation to enroll in a new plan.
If you’ve moved, or are planning to move, outside your plan’s service area, your SEP starts 60 days before your planned move and lasts 60 days after your move. You’ll need to provide acceptable documentation displaying your new address to enroll in a new plan.
Your SEP period starts on the date you gain access to an Individual Coverage Health Reimbursement Account (ICHRA) or are provided a Qualified Small Employer Health Reimbursement Account (QSEHRA). If the date of the employer notice is at least 90 days prior to the start of the HRA, you can enroll 60 days prior to the start of the HRA. If the date of the employer notice is less than 90 days prior to the start of the HRA, you have up to 60 days after the start of the HRA to enroll. You’ll need to provide acceptable documentation to enroll in a new plan.