Special Enrollment Period Checklist

Documents and deadlines when a qualifying life event opens coverage.

Act inside the window

Most Marketplace SEPs last about 60 days from the event. Missing it can mean waiting until Open Enrollment.

Gather proof early: termination letter, marriage certificate, birth record, or lease/utility for a move.

Pick the right effective date

Coverage start dates depend on when you enroll within the SEP. Confirm whether you need coverage this month or next.

If Medicaid ended, apply immediately — do not assume automatic Marketplace enrollment.

Next step

Ready to see plans for your situation?

A licensed advisor can walk through the options available where you live. Free, no obligation.

Get matched
  • Free
  • Licensed advisor
  • About 2 minutes
  • No obligation

Frequently asked questions

Can I change plans for any reason during SEP?
No — SEPs are event-specific. Stick to the change the event allows.
What if my employer offers COBRA?
Compare COBRA cost to subsidized Marketplace plans before you decide.

Sources