06/16/2026
Open enrollment is just ~10 weeks. Special Enrollment Periods cover the other 42. There are 13 SEPs you can use RIGHT NOW to write Marketplace business outside OEP:
✅ Loss of coverage (your strongest one)
✅ Moving to a new ZIP or county
✅ Marriage, birth, adoption, new dependent
✅ Divorce or death that causes loss of coverage
✅ Medicaid/CHIP denial — the one most agents miss
✅ Gaining lawful immigration status
✅ Release from incarceration, tribal status, AmeriCorps, exceptional circumstances
⚠️ But the rules changed in 2026: the old 150% income SEP is gone, and SEP enrollments are heavily audited. Document everything upfront or risk a retroactive clawback.
I've written 5,000+ ACA clients — most of them outside open enrollment. The agents who win treat ACA as a 52-week business, and I show them exactly how.
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Are you currently writing SEPs — or still waiting for open enrollment?
leads and looking to enroll? These questions are crucial for understanding special election eligibility. Did you lose coverage, move, get married, have a baby, or change immigration status recently? Denied Medicaid or CHIP? Just left jail? These events can qualify you for a special enrollment period outside of open enrollment, but remember, documentation might be required for disaster or marketplace errors.
