CEC Special Enrollment Periods & Life Events

Question 1

What is a Special Enrollment Period (SEP) in the context of the Health Insurance Marketplace?

Accepted Answer

A time outside Open Enrollment when qualifying life events allow plan changes

Answer

A SEP is a window outside Open Enrollment during which consumers who experience a qualifying life event can enroll in or change Marketplace coverage.

Question 2

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

Accepted Answer

Loss of minimum essential coverage

Answer

Involuntary loss of minimum essential coverage is a qualifying life event that triggers a SEP on the Marketplace.

Question 3

How many days does a consumer typically have to enroll in a Marketplace plan after a qualifying life event?

Accepted Answer

60 days

Answer

Most qualifying life events give consumers a 60-day SEP window to enroll in or change a Marketplace plan.

Question 4

Which of the following does NOT qualify as a life event for a Special Enrollment Period?

Accepted Answer

Choosing to leave a job voluntarily without losing coverage

Answer

Voluntarily leaving a job without losing health coverage does not trigger a SEP because coverage was not involuntarily lost.

Question 5

What documentation may be required to verify a SEP triggered by marriage?

Accepted Answer

Marriage certificate

Answer

A marriage certificate is the standard document used to verify a SEP based on a change in household due to marriage.

(CEC) Certified Enrollment Counselor Practice Test