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Special Enrollment

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Special Enrollment Period

A Special Enrollment Period is a time outside of the annual Open Enrollment Period when you can sign up for health insurance coverage through Access Health CT. To qualify for a Special Enrollment Period, you must prove that you have a Qualifying Life Event. If you have a Qualifying Life Event, your Special Enrollment Period will generally last 60 days from the date of the event.  If you qualify for Medicaid or the Children’s Health Insurance Program (CHIP), or if you are an American Indian or Alaska Native, you can enroll in coverage any time of the year.

Common Qualifying Life Events

Qualifying Life Events open a Special Enrollment Period to enroll in health insurance any time of year. Typically, you have 60 days from the date of your Qualifying Life Event to begin an application. You will also be required to verify your Qualifying Life Event in order for your coverage to begin.

Common Qualifying Life Events (QLEs) include:

Losing coverage through your employer or certain changes to employer contributions to a Health Reimbursement Arrangement (HRA) or a Qualified Small Employer Health Reimbursement Arrangement (QSERA), including a gain of either one.

Cobra

Exhaustion of COBRA coverage. Early termination of COBRA coverage does not qualify as a QLE.

Losing your coverage due to job change. Voluntary cancellation of coverage or termination by the insurer due to non-payment of monthly payments (premiums) does not qualify as a QLE.

Losing coverage through your spouse or parent. Be sure to know when the policy will end in order to understand the best time to enroll.

Click here to see a full list of Qualifying Life Events.

Enrollment Checklist:

What you need to complete an application

Have this information for yourself and anyone in your household applying for coverage:

• Dates of Birth
• Social Security numbers
• Visa, green card or immigration documents
• Most recent W2 and/or Form 1040, Form 1099
• Current insurance coverage
• Paystubs, Profit & Loss statements, or other employment information to confirm income for everyone in your tax household

Frequently Asked Questions: Special Enrollment Period

1. What is the Inflation Reduction Act?

Federal and state laws have made health insurance coverage more affordable. As a result of the Inflation Reduction Act (IRA), more people qualify for financial help than ever before, even those who didn’t qualify in the past. Connecticut residents who purchase health insurance through Access Health CT will continue to receive enhanced subsidies to help pay for the cost of their monthly health insurance payments, thanks to the IRA. This financial help is now extended for three more years (through Plan Year 2025).

2. What is a Special Enrollment Period?

A Special Enrollment Period is a special window of time during the year when you can enroll in health and/or dental insurance coverage through Access Health CT. To be eligible for a Special Enrollment Period, you must prove that you have a Qualifying Life Event – and you typically will have 60 days from the date of the Event to complete an application with Access Health CT. Please note that if you qualify for Medicaid or CHIP, or if you are an American Indian or Alaska Native, you can enroll any time of year.

3. What is a Qualifying Life Event?

A change in your life — like losing health coverage, getting married, having a baby, or moving to Connecticut — that can make you eligible for a Special Enrollment Period, allowing you to enroll in health insurance outside of the yearly Open Enrollment Period. Click here to see a full list of Qualifying Life Events.

4. When will my coverage begin?

You will need to verify your Qualifying Life Event in order for your coverage to begin.  Specific start date will depend on your situation.

5. How to provide Special Enrollment Verification: Proof of Your Qualifying Life Event

Once you’ve selected a plan, you will be asked to send proof of your Qualifying Life Event within 30 days. We have to verify that information before your application can be processed. After you enroll, we may also ask for proof of other information in your application, such as your annual income or identity. Make sure that you respond to our requests for documents or information!

6. How do I start an application?

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