Open Enrollment may be over, but consumers may still be able to enroll in Marketplace coverage for Plan Year 2022 if they qualify for a special enrollment period (SEP).

An SEP is a time outside the annual Open Enrollment Period when individuals may enroll in or change qualified health plans (QHPs). Individuals qualify for SEPs based on certain life events, including:

  • Loss of qualifying health coverage (Note: This SEP does not include loss of coverage due to nonpayment of premiums.)
  • Change in household size
  • Change in primary place of living that results in access to new QHPs
  • Change in eligibility for Marketplace coverage or help paying for coverage
  • Enrollment or plan error
  • Other situations and exceptional circumstances


In most cases, consumers have 60 days from the date of the qualifying event to enroll in coverage. If the consumer is enrolling in Marketplace coverage for the first time, he or she may need to submit documents to prove SEP eligibility. Consumers who are members of a federally recognized Indian tribe or Alaska Native Claims Settlement Act Corporation shareholders can sign up for or change plans once per month throughout the year. Have any questions or concerns? Please contact you health insurance specialists at Total Benefiit Solutions, Inc at (215)355-2121