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Common Qualifying Life Events
- Lost job-based coverage: You have 60 days from the date you lost coverage to enroll.
- Got married or entered a domestic partnership
- Had a baby, adopted a child, or placed a child for foster care
- Moved to a new state or ZIP code (with access to different plans)
- Became a US citizen or lawfully present
- Released from incarceration
- Gained status as a member of a federally recognized tribe
How Long Is the SEP Window?
Most SEPs give you 60 days from the qualifying event to enroll in or change Marketplace coverage. For some events (like a new baby), coverage can be retroactive to the date of the event.
Documentation Required
You’ll typically need to provide proof of your qualifying event, such as:
- Letter from employer or insurer confirming loss of coverage
- Marriage certificate
- Birth certificate or adoption papers
- Lease agreement or utility bill showing new address
Premium Tax Credits During SEP Enrollment
All subsidy rules apply during Special Enrollment Periods — you don’t have to wait for Open Enrollment to access your premium tax credit.
See also: Enrollment Dates • How to Apply