2021 Special Enrollment Period


As you are probably aware by now, President Biden signed an Executive Order authorizing a Special Enrollment Period on healthcare.gov from Feb. 15 to May 15. This SEP will give Americans who need healthcare coverage during this global pandemic the opportunity to sign up for it. Here are some details regarding who is eligible, along with some other guidelines.


  • This SEP will be available to consumers in the 36 states served by Healthcare.gov. States with their own exchanges are encouraged to make a similar enrollment opportunity available.
  • All Marketplace-eligible consumers who are submitting a new application or updating an existing application are eligible for this SEP.
  • Consumers who enroll under the SEP will be able to select a plan with coverage that starts on the first of the month after plan selection.
  • After submitting an application, consumers will have 30 days to choose their plan.
  • Current enrollees will be able to change to any available plan in their area.
  • This SEP will not require any new information to determine eligibility and enroll in coverage.


  • To qualify for this SEP, a person must meet the eligibility guidelines for healthcare.gov.
  • Must be under age 65.
  • Must not be enrolled in any other government-funded healthcare program such as Medicare, Medicaid, or the Children’s Health Insurance Program.
  • Must not have been offered qualified coverage by an employer or a spouse’s employer.
  • Income must be equal to or greater than 139% of the Federal Poverty Level. Note: Those with income between 139% and 400% of the Federal Poverty Level may also be eligible for a Premium Tax Credit to reduce the monthly premium of their health insurance.


Current enrollees will be able to change to any available plan in their area without restriction to the same level of coverage as their current plan. In order to use this SEP, current enrollees will need to go through their application and make any changes if needed to their current information and submit their application in order to receive an updated eligibility result that provides the SEP before continuing on to enrollment.


This SEP does not impact and is not for Medicare beneficiaries.


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