Special enrollment period

Learn about special enrollment periods and how to qualify for one

What is a special enrollment period, or SEP?

Generally, you can only enroll in a health plan during open enrollment. After the Open Enrollment Period, you're locked in to your health plan unless you've had a major life change or "qualifying life event" (like the birth of a child, marriage or losing your health coverage). Your life change or qualifying event allows you to enroll in a new health plan during what's called a special enrollment period, or SEP. If you qualify for an SEP, you're allowed to change your health plan or apply for a new one outside of the open enrollment period. You'll need to submit proof of the qualifying life event with your application and apply within 60 days of your qualifying life event.

I qualify for special enrollment. How do I enroll?

Enroll by phone

Give our knowledgeable, certified representatives a call at (855) 948-4427. They can guide you through the process and answer any questions you may have.

Enroll by mail

Print the following application, and send a signed copy to the address on the form with any supporting documentation.

Existing HAP member?

You can submit a member change form. You can call us to request one at (800) 422-4641 (TTY: 711) or log in to the member portal to retrieve the form.

What counts as a qualifying life event?

Qualifying life event

Proof required

Marriage

Copy of your marriage certificate and proof of prior coverage within last 60 days for at least one spouse

Birth of a child

Copy of your child's birth certificate or hospital documentation

Adoption or placement for adoption of a child

Copy of the certificate of adoption or placement papers

Divorce, legal separation or death

Copy of divorce decree, legal separation papers or death certificate

Non-calendar year policy renewal

Copy of the renewal letter

Permanently moving to a new area that offers new qualified health plan options

Proof of prior coverage within the last 60 days, prior address and new or current address*

Newly gaining access to an Individual Coverage Health Reimbursement Account (ICHRA) or newly provided a Qualified Small Employer Health Reimbursement Account (QSEHRA)

Copy of document from Employer offering an ICHRA/QSEHRA with state date

Job loss

Proof of loss of coverage**

Loss of group health coverage

Proof of loss of coverage**

Loss of coverage due to divorce

Copy of divorce decree and proof of loss of coverage**

Loss of coverage due to death

Copy of death certificate and proof of loss of coverage**

Aging off parent's health plan

Proof of loss of coverage**

Losing eligibility for Medicaid or Children's Health Insurance Program (CHIP)

Copy of letter from Medicaid or CHIP

COBRA coverage ending

Proof of loss of coverage**

Other (considered on a case-by-case basis)

Give full details and date of event when applying. Additional proof may be required.

Special Enrollment Period flyer

Voluntarily canceling other health coverage or being terminated for not paying your premium is not considered loss of coverage. Neither is losing a plan that does not carry minimum essential coverage.

Need more information before you enroll? Download these helpful guides to individual and family plans and dental coverage.

2023 brochures

HMO/PPO Application (PDF)

Delta Dental Brochure (PDF)

Vision Brochure (PDF)

*Unless you've moved from outside of the country.

**Voluntarily canceling other health coverage or being terminated for not paying premiums isn’t considered loss of coverage. Neither is losing a plan that doesn’t carry minimum essential coverage.

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Special enrollment period

Learn about special enrollment periods and how to qualify for one

What is a special enrollment period, or SEP?

Enroll by phone

Enroll by mail

Existing HAP member?

2023 brochures

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