A Special Enrollment Period can be triggered by qualifying life events such as loss of coverage.

• A. True
• B. False
• C. Not sure
• D. Only for certain plans

Answer: (A)

A Special Enrollment Period exists precisely to allow you to enroll in or change health plans outside the regular Open Enrollment when something significant happens in your life that affects your coverage needs. Losing health coverage qualifies as a life event, so you’re entitled to an SEP to obtain a new plan without waiting for the next enrollment window. This mechanism helps ensure you don’t go without coverage just because your situation changed. Other life events that can trigger an SEP include gaining a dependent, moving to a new area, and changes in income that affect subsidy eligibility, but the core idea is that loss of coverage creates a limited window to enroll.