Health insurance isn’t just for Open Enrollment. Life changes, like a new job, a growing family, or a move, can qualify you for a Special Enrollment Period through Covered California. 

What Is a Special Enrollment Period?

A Special Enrollment Period is a time outside of Open Enrollment (November 1-January 31) when you can apply for coverage or make changes to your existing plan–as long as you’ve had a qualifying life event. In most cases you have 60 days from the event to take action (Covered California, 2024).

Common Qualifying Life Events

You may qualify for a SEP if you’ve experienced one of the following:

• •  Lost your health coverage (job-based, Medi-Cal, or other minimum essential coverage)
  • Got married or divorced
  • Had a baby, adopted a child, or placed a child for adoption
  • Moved to a new ZIP code or county in California
  • Turned 26 and lost coverage through a parent’s plan (plan is valid until end of the year)
  • Gained citizenship or lawful presence
  • Returned from active military duty.

These events may open a temporary enrollment window for you to get covered, often with access to financial help (Covered California, 2024).

Why It Matters?

Missing this 60-day window could mean waiting until next Open Enrollment Period, which may leave you uninsured. If you qualify for a SEP, acting quickly can help you:

Need Help? We’ve got you Covered.

Figuring out whether you qualify (and what documentation you might need) can feel confusing, but we’re here to make it easy. Harbor Health Insurance Services’ team of licensed agents can walk you through your options, confirm your eligibility, and guide you through enrollment at no cost. 

References:

Covered California. (2024). Special Enrollment Periods. http://www.coveredca.com