Special Enrollment Periods (SEPs)
Grow your business year-round with Special Enrollment Periods (SEPs)
Individual and Family Plan (IFP) Special Enrollment Periods
Most IFP SEPs allow 60 days to enroll after an eligible life event. The SEP typically begins on the day of the eligible event. The MNsure website lists what documentation is required to prove eligibility.
Eligible scenarios:
- Dependent is turning age 26 and will lose coverage through parent’s plan
- Losing employer-sponsored coverage (includes COBRA and retiree coverage)
- Employer ends coverage
- Lose or leave a job, thus ending employer-sponsored coverage
- No longer qualify for Medical Assistance or MinnesotaCare
- Lose other government-sponsored coverage such as TRICARE
Non-U.S. citizens who become lawfully present in the United States may apply for a health plan for which they are eligible. The SEP lasts for 60 days.
Individual moves permanently to a new zip code or county and now has access to different qualified health plan options. The SEP lasts for 60 days and begins the day of your move.
Eligible scenarios:
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Gained or lost dependent
- Through birth, adoption, foster care or child support order
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Death, divorce or legal separation
- Lost coverage on another MNsure plan
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Marriage
- Household size changed due to marriage
The SEP begins the day of the event (birth, death, court order, marriage) and lasts for 60 days.
Eligible scenarios:
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Agency error
- If an error, action or inaction by MNsure, navigator or broker prevented enrollment, the individual may qualify for a SEP. The individual has 60 days to report the error to MNsure. If a SEP is granted, the individual has 30 days from the approval date to enroll.
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Violation of qualified health plan terms and conditions
- If the enrollee can demonstrate that their qualified health plan terms and conditions were violated, the enrollee may qualify for this SEP
The SEP is 60 days and begins on a date set by MNsure.
Year-round Enrollment
American Indian or Alaska Natives
Enrolled members of a federally recognized Tribe are eligible to enroll in a qualified health plan or change their plan enrollment once a month year-round.
The SEP begins on the first of the month and ends on the last day of the month.