If a plan is discontinued or a consumer loses eligibility, how may they switch plans during the year?

• A. Special Enrollment Period to a different QHP.
• B. Grace period extension for premium payments.
• C. Automatic re-enrollment into a similar plan.
• D. They must wait until open enrollment.

Answer: (A)

Special Enrollment Periods allow you to switch to a different QHP mid-year when your current plan is discontinued or you lose eligibility. This separate enrollment window is built for situations where the usual open enrollment period wouldn’t reflect changes in your plan options or eligibility, so you can enroll in another available QHP and keep your coverage active. The grace period is about late premium payments, not plan changes; there’s no automatic re-enrollment into a similar plan when a plan is discontinued; and open enrollment isn’t required for this mid-year switch because the SEP specifically handles these eligibility or plan-discontinuation events.