Special Enrollment Period

DEFINITION

Usually you can only sign up for healthcare coverage through the Marketplace during the open enrollment period. A special enrollment period is a time outside of the open enrollment period when you and your family can sign up for health coverage. This is usually a 60 day period following life events that involve a change in family status. These changes include marriage, birth of a child, and loss of other health coverage. Job-based plans must also provide a special enrollment period, which usually lasts 30 days.

EXAMPLE

Javier was not able to register for health insurance because he missed the open enrollment period deadline. Lucky for him, his daughter Rosa was born a month ago, so he can still sign his family up during the special enrollment period that began with Rosa's birth (and usually lasts 60 days).