Life doesn’t wait for open enrollment. Big changes—like getting married, having a baby, or losing job-based insurance—can happen at any time.
Thankfully, Special Enrollment Periods (SEPs) allow individuals and families to update their health insurance when life takes an unexpected turn—without having to wait for the next open enrollment period.
So, how do SEPs work? And more importantly, how can you make sure you’re choosing the right coverage without getting oversold? That’s where Insurance Planning comes in. Let’s break it down.
What Qualifies for a Special Enrollment Period?
You may be eligible for a SEP if you’ve recently experienced a qualifying life event, such as:
- Marriage or divorce – Changing your family structure often means adjusting your health coverage.
- Having or adopting a child – A growing family brings new healthcare needs.
- Losing employer-sponsored coverage – Whether due to a job change or loss, you’ll need to explore new insurance options.
- Relocating – Moving to a new ZIP code may affect which health plans are available to you.
- Aging off a parent’s plan – If you’ve turned 26, it’s time to find your own coverage.
These events typically trigger a 60-day window where you can apply for a new health insurance plan or make changes to your existing coverage.
How to Choose the Right Plan (Without Overpaying)
When reviewing your options, it’s easy to feel overwhelmed. Online comparisons can be confusing, and sales-driven tactics may push you toward more expensive plans than you actually need. At Insurance Planning, we take the time to understand your needs and help you find the right plan—without the pressure of unnecessary upsells.
Here are a few things to keep in mind when selecting your coverage:
✔️ Assess your actual needs. Do you visit the doctor frequently? Need specific medications covered? Make sure your plan fits your lifestyle.
✔️ Consider your network. Some plans limit provider choices—check that your preferred doctors and hospitals are included.
✔️ Watch for hidden costs. Low monthly premiums can be tempting, but check deductibles, co-pays, and out-of-pocket maximums.
Why Work With Insurance Planning?
When it comes to something as important as health insurance, working with someone who knows your area and understands your needs can make all the difference. Insurance Planning has been helping individuals and families navigate their health insurance options for years. Instead of struggling through online comparisons alone, you can talk to a trusted local expert who will guide you toward the best coverage for your situation.
At Insurance Planning, we don’t believe in a one-size-fits-all approach. We’re here to help you make informed decisions—no gimmicks, no unnecessary add-ons, just the right coverage for you.
If you’ve had a major life change and need to explore your options, contact Insurance Planning today. We’ll make sure you get the coverage you need—nothing more, nothing less.