Special Enrollment Program (SEP)
faq
Missed Open Enrollment? Life happens — and you may still qualify for health insurance through a Special Enrollment Period (SEP). At Madrinas Insurance, we help you determine eligibility, gather the right documents, and enroll in the plan that fits your life changes, from marriage to job loss to moving.
Frequently Asked Questions (FAQ)
What is the Special Enrollment Period?
It’s a window outside of Open Enrollment when you can sign up for health insurance if you’ve had a qualifying life event.
What counts as a qualifying life event?
Events include losing coverage, getting married, having a baby, moving to a new area, or turning 26 and aging out of a parent’s plan.
How long do I have to enroll after a life event?
Typically, you have 60 days from the date of the event to apply for coverage.
Can I still get subsidies during SEP?
Yes, you may still qualify for financial assistance depending on your income and family size.
Do I need documents to prove my life event?
Yes, most applications require documents like marriage certificates, birth certificates, or job termination letters.
How can Madrinas help me during SEP?
We’ll verify your eligibility, guide you on required documents, and enroll you in the best plan for your needs.
