A consumer who loses QHP coverage due to voluntary termination outside OE can enroll in a new plan immediately if they request it.

• A. True
• B. False
• C. Not sure
• D. Only through a SEP

Answer: (D)

Special Enrollment Periods are what allow enrollment outside the Open Enrollment period when a triggering life event occurs. Losing QHP coverage due to voluntary termination is such a trigger, so you’re eligible for an SEP. This means you can enroll in a new plan, but only within the SEP window (typically 60 days from the loss of coverage). You can’t enroll immediately through a standard outside-OE process without using the SEP. If you miss the SEP window, you’d generally have to wait for the next Open Enrollment unless another qualifying event applies. So the correct path is to enroll through a Special Enrollment Period.