Open enrollment is the once-a-year window when you can enroll in or change your coverage. A special enrollment period (SEP) lets you enroll outside that window after a qualifying life event, such as marriage, a new baby, or losing other coverage, usually within 30 days (employer plans) or 60 days (the Marketplace).
Special Enrollment Periods (SEPs)
A special enrollment period (SEP) lets you enroll outside open enrollment after a qualifying life event. These FAQs explain SEP triggers and timing.