Special Enrollment Period (SEP)
Insurance Glossary
A limited window outside open enrollment during which a person can buy or change health coverage after a qualifying life event. Marketplace enrollees generally get 60 days before or after the event, and employer plans must allow at least 30 days. Which events qualify, what documentation is required, and whether plan choices are restricted to the enrollee's current metal tier are set by federal rules that have changed over time.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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