"Life events" that (generally) qualify for a special enrollment period (SEP) with Obamacare

This information was gleaned from healthcare.gov. Navigating through the ACA (sometimes called Obamacare) can be very confusing. That's why we offer our clients (and prospective clients) our assistance free or we can refer you to a "Navigator" in your area. Call us at: 888-241-4031 or CLICK HERE to go to our site. 

The following life events will generally qualify you for a special enrollment period:

• You signed up for the marketplace, but you were unable to complete the enrollment process for any reason (until mid-April 2014)
• Getting married
• Birth, adoption, or placement of a child
• Permanently moving to a new area that offers different health plan options
• Losing other health coverage (including job loss for any reason, divorce, loss of eligibility for Medicaid or CHIP, expiration of COBRA coverage, aging of a parents plan, or a health plan being decertified). Note: loss of coverage does not include voluntarily quitting other health coverage or being terminated for not paying your premiums. Losing coverage that is not minimum essential coverage also fails to qualify as loss of coverage.
• For people already enrolled in Marketplace coverage, having a change in income or household status that affects eligibility for tax credits or cost-sharing reductions
• An individual who was not previously a citizen, national, or lawfully present individual gains such status.
• A qualified individual’s enrollment or non-enrollment in a QHP is unintentional, inadvertent, or erroneous and is the result of the error, misrepresentation, or inaction of an officer, employee, or agent of the Exchange, HHS, or its instrumentalities as evaluated and determined by the Exchange.
• An enrollee adequately demonstrates to the Exchange that the QHP in which he or she is enrolled substantially violated a material provision of its contract in relation to the enrollee.
• An individual is determined to be newly eligible or newly ineligible for advance payments of the premium tax credit or has a change in eligibility for cost-sharing reductions, regardless of whether such individual is already enrolled in a QHP. The Exchange must permit individuals whose existing coverage through an eligible employer-sponsored plan will no longer be affordable or provide minimum value for his or her employer’s upcoming plan year to access this special enrollment period prior to the end of his or her coverage through such an eligible employer-sponsored plan.
• An Indian, as defined by section 4 of the Indian Health Care Improvement Act, may enroll in a QHP or change from one QHP to another one time per month.
• A qualified individual or enrollee demonstrates to the Exchange, in accordance with guidelines issued by HHS, that the individual meets other exceptional circumstances as the Exchange may provide.

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