A Guide to Special Enrollment Period Triggers and Timing

This Special Enrollment Period (SEP) Reference Chart is a tool for those who are helping people enroll in health coverage through a special enrollment period.

It focuses on the circumstances that trigger a SEP in the Marketplace, who can trigger a SEP, and the effective date of coverage once a health plan is selected. Certain events that occur during the year can trigger a special enrollment period (SEP), when a person may be able to newly enroll in a Marketplace plan or change to a different plan.