If a consumer terminates coverage outside Open Enrollment, they may be eligible for a Special Enrollment Period.

If a consumer terminates coverage outside Open Enrollment, they may be eligible for a Special Enrollment Period.

• A. True
• B. False
• C. Not sure
• D. Only if employment changes

Answer: (A)

Special Enrollment Periods exist to let people sign up for or change Marketplace plans outside the yearly Open Enrollment when something about their coverage changes. A primary trigger is losing or ending health coverage. If a consumer terminates coverage outside Open Enrollment, that ends their current plan and creates a qualifying event for a Special Enrollment Period. This gives them a limited window—usually about 60 days—to enroll in a new plan through the Marketplace so they aren’t left uninsured midyear. It isn’t limited to employment changes; voluntary termination or coverage ending can also qualify, as long as the individual enrolls within the SEP window. So terminating coverage outside Open Enrollment can indeed trigger a Special Enrollment Period.

Special Enrollment Periods exist to let people sign up for or change Marketplace plans outside the yearly Open Enrollment when something about their coverage changes. A primary trigger is losing or ending health coverage. If a consumer terminates coverage outside Open Enrollment, that ends their current plan and creates a qualifying event for a Special Enrollment Period. This gives them a limited window—usually about 60 days—to enroll in a new plan through the Marketplace so they aren’t left uninsured midyear. It isn’t limited to employment changes; voluntary termination or coverage ending can also qualify, as long as the individual enrolls within the SEP window. So terminating coverage outside Open Enrollment can indeed trigger a Special Enrollment Period.