ACA Special Enrollment Periods [Chart]
By PeopleKeep Team on May 7, 2014 at 3:00 PM
The following ACA special enrollment periods chart outlines how long the enrollment period is after different qualifying events.
As of 2014, consumers can only enroll in guaranteed-issue individual health insurance during specific open enrollment periods and special enrollment periods. This includes qualified health plans (QHPs) bought through the health insurance marketplaces ("On-Exchange") and outside the marketplace ("Off-Exchange").
A qualifying event makes you eligible for a special enrollment period. If you have a qualifying event you can enroll in individual health insurance outside of the annual open enrollment period for a period of time as listed below.
Chart of ACA Special Enrollment Periods
Qualifying Event
|
Enrollment Period
|
Applicable to both Marketplace and Non-Marketplace (On and Off-Exchange) Policies
|
|
Gaining/losing a dependent through birth/adoption/foster care/placement for adoption
|
60 days after the event
|
Gaining a dependent through marriage
|
60 days after the event
|
Loss of eligible coverage from legal seperation/divorce, cessation of dependent status (aging out), death, or termination or reduction of working hours with employer
|
60 days after the event
|
Loss of coverage through an HMO due to relocation to a new service area.
|
60 days after the event
|
Incurs claim that meets or exceeds lifetime limits on all benefits
|
60 days after the event
|
COBRA coverage ends
|
60 days after the event
|
Employer ceases contributions either to subscriber or dependents
|
60 days after the event
|
Permanent move (to a region where new plans are available)
|
60 days after the event
|
Newly eligible/ineligible for advanced payments of tax credits or change in eligibility from cost-sharing reductions
|
60 days after the event
|
Qualified Health Plan (QHP) substantially violates a material provision of its contract
|
60 days after the event
|
Enrollment in QHP is made in error
|
60 days after the event
|
Loss of Minimum Essential Health Coverage (Not including loss of coverage because of failure to make premium payment)
|
60 days before and after the event
|
60 days before and after the benefit start date
|
|
Applicable to Non-Marketplace (Off-Exchange) Policies Only
|
|
Enrollment in non-calendar year policy ends
|
30 days prior to the end of the policy
|
Applicable to Marketplace (On-Exchange) Policies Only
|
|
Native American status
|
60 days after the event
|
Attaining citizenship
|
60 days after the event
|
Demonstration of exceptional circumstances, as determined by the Exchange
|
60 days after the event
|
Check out more resources
See these related articles

Special enrollment periods (SEPs) and the QSEHRA
Learn how special enrollment periods (SEPs) work with a QSEHRA. Understand eligibility rules and how employees can enroll in health coverage mid-year.

How to switch to your spouse's health insurance policy
Let's go over how to switch to a spouse’s policy during and outside open enrollment and what circumstances trigger a special enrollment period.

How to use an HRA special enrollment event to purchase insurance
In this article, we outline how special enrollment periods (SEPs) work, and how you can use an SEP to purchase health insurance.