While the 2023 Open Enrollment window for the Affordable Care Act (ACA) ended at the beginning of the year, don’t fret if you haven’t gotten cheap health insurance coverage! We are currently in the Special Enrollment Period (SEP), which certain triggering events may allow you to qualify to apply for affordable health insurance now.

Ask yourself questions such as, “Have I recently moved to a different county? Or even a different zip code?”. As both of these types of moves qualify as triggers under the SEP to utilize the health insurance marketplace. You’ll be able to shop from a wide range of different health insurance plan options across the U.S. at TrueCoverage.com.

Due to the expansion of benefits of the ACA made under the current administration, more people than ever qualify for deep discounts on their monthly health insurance premiums. Many even qualify for FREE quality health insurance through the Marketplace using TrueCoverage!

Other forms of changes in residency are triggering events for the SEP as well. For example, a student moving to or from where they attend school or a seasonal worker moving to or from where they work. Trigger events even include being a victim of a natural disaster or being released from incarceration in a jail or prison.

If you haven’t moved recently, there may be a different form of SEP triggering event that will qualify!

Special Enrollment Period (SEP) qualifiers:

Loss of Coverage

  • Losing eligibility for Medicare, Medicaid, or CHIP
  • Loss of job – ACA coverage is often more affordable than COBRA!
  • Loss of health insurance coverage through school
  • Becoming age 26 and losing parental coverage
  • Health insurance enrollment or plan error

Change in Household

  • Marriage or divorce
  • Birth or adoption of a new baby
  • Death in the family
  • Separating from a domestic abuse partner
  • Becoming a U.S. Citizen

Housing Changes

  • Moving to a different ZIP code or county
  • A student moving to or from where they attend school
  • A seasonal worker moving to or from where they work
  • Moving to or from a shelter or transitional housing
  • Being a victim of a natural disaster
  • Being released from incarceration (jail or prison)
  • AmeriCorps members starting or ending their service

Low-Income Families – Annual Income Threshold

  • Single Household – $19320 annually
  • Household of Two – $26130 annually
  • Household of Three – $32940 annually
  • Household of Four – $39750 annually
  • Household of Five – $46560 annually

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