Life doesn't always follow the Open Enrollment calendar. Whether you've moved, lost coverage, or experienced another qualifying life event, Special Enrollment Periods (SEP) provide an opportunity to get health insurance when you need it most. Let's break down everything you need to know about qualifying for and using a Special Enrollment Period.
What is a Special Enrollment Period?
A Special Enrollment Period is a time outside the yearly Open Enrollment when you can sign up for health insurance. At Aura Insure, we make it easy to:
Check your eligibility
Compare available plans
Enroll in just 15 minutes
Get coverage as soon as possible
Qualifying Life Events for Special Enrollment
Common situations that may qualify you:
Lost existing health coverage
Moved to a new home
Got married or divorced
Had a baby or adopted a child
Lost Medicaid eligibility
Changed income affecting marketplace subsidies
How Long Do You Have to Enroll?
Important deadlines to know:
Generally 60 days from your qualifying event
Coverage can start the first day of the next month
Some events allow for advance enrollment
Three Easy Steps to Enroll During SEP
Match with plans that fit your needs
Compare plans side-by-side
Enroll online or with an agent - no fees ever
Think you qualify for Special Enrollment? Get your free quote today!
Call 855-723-4727 or click here to start your enrollment.
Required Documentation
What you'll need:
Proof of qualifying life event
Identity verification
Income documentation
Previous insurance information (if applicable)
Frequently Asked Questions
Q: How long does Special Enrollment Period last?
A: Typically, you have 60 days from your qualifying life event to enroll in a new health insurance plan. At Aura Insure, we can help you complete enrollment in as little as 15 minutes.
Q: What documents do I need to prove my qualifying event?
A: Required documentation varies by event but may include lease agreements, marriage certificates, birth certificates, or letter of coverage termination. Our agents can guide you through the specific requirements.
Q: Can I get financial help during Special Enrollment?
A: Yes! Premium tax credits and cost-sharing reductions are available during Special Enrollment if you qualify based on your income.
Q: How quickly can my coverage start?
A: Coverage usually starts the first day of the month after you enroll. Some qualifying events, like losing other coverage, may allow for retroactive coverage.
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