CES Special Enrollment Periods 3

Question 1

A hardship Special Enrollment Period in the Marketplace may be granted for situations such as:

Accepted Answer

Experiencing a natural disaster that made obtaining coverage difficult

Answer

Wanting a plan with lower premiums

Answer

Missing the open enrollment deadline due to busy schedule

Answer

Moving to an area with the same plan options

Question 2

If a person elects COBRA and then lets COBRA coverage lapse without paying premiums, they:

Accepted Answer

Do not qualify for a Marketplace SEP from lapsing COBRA

Answer

Automatically qualify for a Marketplace SEP immediately

Answer

Qualify for a Marketplace SEP only within 60 days of COBRA start

Answer

Must wait until the next Open Enrollment Period

Question 3

When an employer-sponsored plan no longer meets minimum value or affordability standards, an employee may:

Accepted Answer

Qualify for a Marketplace SEP and possibly premium tax credits

Answer

Continue enrollment without any Marketplace option

Answer

Only use a SEP if formally denied coverage

Answer

Access the plan during open enrollment the following year only

Question 4

What documentation is typically required when claiming a SEP based on loss of prior coverage?

Accepted Answer

A termination letter or letter from prior insurer confirming coverage end date

Answer

A letter from a doctor confirming medical need

Answer

A signed affidavit with no additional documentation

Answer

Proof of income only

Question 5

A dependent child who ages off a parent's employer plan at age 26 has how long to enroll in a Marketplace plan?

Accepted Answer

60 days from the date coverage ends

Answer

30 days from the date coverage ends

Answer

90 days from the date coverage ends

Answer

Until the next open enrollment period only

Question 6

The 'exceptional circumstances' SEP created by CMS allows enrollment during which period?

Accepted Answer

At any point during the year when CMS determines a special circumstance warrants it

Answer

The 30 days following a denial of Medicaid

Answer

Only the first quarter of the year

Answer

Immediately following a federal disaster declaration in any state