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

Most qualifying life events grant a 60-day Special Enrollment Period window to select a Marketplace plan.

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

Losing job-based health coverage is a qualifying life event that triggers a SEP, allowing enrollment outside Open Enrollment.

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

Moving to a new coverage area where different Marketplace plans are available is a qualifying life event that triggers a SEP.

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

Missing the SEP window generally requires the consumer to wait until the next Open Enrollment Period to enroll in a Marketplace plan.

Question 5

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

Accepted Answer

Turning 30 years old

Answer

Turning 30 is not a qualifying life event, though turning 26 and aging off a parent's plan does trigger a SEP.

(CACs) Certified Application Counselor Practice Test

(CACs) Certified Application Counselor Practice Test

CACs Special Enrollment Periods and Life Events