CACs Special Enrollment Periods and Life Events

Question 1

How many days does a consumer typically have to enroll in a Marketplace plan after a qualifying life event triggers a Special Enrollment Period (SEP)?

Accepted Answer

60 days

Answer

30 days

Answer

90 days

Answer

120 days

Question 2

Which of the following is a qualifying life event that triggers a Special Enrollment Period?

Accepted Answer

Losing job-based health coverage

Answer

Moving to a new apartment in the same ZIP code

Answer

Voluntarily canceling a previous plan

Answer

Failing to pay monthly premiums

Question 3

A consumer moves from Texas to California. Does this qualify them for a Special Enrollment Period?

Accepted Answer

Yes, moving to a new coverage area is a qualifying life event

Answer

No, moving within the US never triggers a SEP

Answer

Only if they had no prior insurance

Answer

Only if they are over age 65

Question 4

What happens if a consumer misses the 60-day Special Enrollment Period window after a qualifying life event?

Accepted Answer

They must wait until the next Open Enrollment Period

Answer

They can still enroll with a late fee

Answer

They are automatically enrolled in Medicaid

Answer

CMS grants an automatic 30-day extension

Question 5

Which of the following is NOT a qualifying life event for a Special Enrollment Period?

Accepted Answer

Turning 30 years old

Answer

Getting married

Answer

Having a baby

Answer

Losing Medicaid eligibility

Question 6

A consumer gains a new dependent through adoption. Which SEP rule applies?

Accepted Answer

They have 60 days from the adoption date

Answer

They have 30 days from the adoption date

Answer

No SEP applies; they must wait for Open Enrollment

Answer

They must report it within 10 days to CMS