Special Enrollment Sign up Made Easy

It’s a specific change in your life that allows you to get health insurance or update your current one during Special Enrollment Period (SEP).

It varies depending on your state but usually, it's the time typically between January 16th and October 31st when you are required to have a Qualifying Life Event to purchase a new health insurance or make changes to your current one.

You usually have from 30 to 60 days to enroll in a health plan after a QLE. If you plan to expect a coverage loss within the next 60 days, for instance, you depart your job, in that case you may have access to a SEP before an event occurs. You can check with your state or federal exchange for the exact time frame or call us.

You may need to provide proof of your qualifying life event, which can vary based on the event. Required documentation may include a letter from your previous health insurance company or employer confirming the loss of coverage. If applying through HealthBird, we'll notify you about any necessary documentation needed for submission.

If you apply between the 1st and 15th of the month your coverage will start on the 1st day of the following month.If you apply after the 16th of the month - it will start on the 1st day of the month after. For instance, if you apply April 16th, your coverage is set to start June 1st.

You may still be able to obtain health insurance outside  of the Open Enrollment Period for yourself and your family through options such as Medicaid, Children's Health InsuranceProgram (CHIP), short-term health insurance, private health insurance or discounted programs.

Qualifying life events during SEP may include losing health coverage, marriage, having a baby, moving to a new location, gaining citizenship, losing eligibility for Medicaid or CHIP, and changes in income affecting premium tax credits or cost-sharing reductions. Note that qualifying events may vary depending on the state and marketplace.