A Special Enrollment Period (SEP) allows enrollment outside the Open Enrollment Period due to qualifying life events. Which statement is true?

• A. They occur automatically every year without conditions.
• B. They allow enrollment outside OEP due to qualifying life events.
• C. They require you to stay unemployed for a year.
• D. They apply only to those over 65.

Answer: (B)

Special Enrollment Periods let you enroll in or switch Marketplace plans outside the Open Enrollment Period when a qualifying life event occurs. This is the core idea: a life event such as marriage, the birth or adoption of a child, moving to a new area, losing other coverage, or aging out of a parent’s plan can trigger a limited enrollment window. They aren’t automatic every year and aren’t based on unemployment. They also aren’t limited to people over 65, since Medicare rules apply separately. So the statement that SEPs allow enrollment outside the Open Enrollment Period due to qualifying life events is true.