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ICHRA Employee: Using a Special Enrollment Period (SEP)

This article is for employees enrolled in an ICHRA through Take Command.

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Written by David Hung

Employees who experience a qualifying life event may be eligible to enroll or make coverage changes outside of Open Enrollment.

What is a Special Enrollment Period?

A Special Enrollment Period (SEP) is a window that allows eligible individuals to enroll in or change health coverage outside of Open Enrollment.

What qualifies for an SEP?

Common qualifying life events include:

  • Marriage

  • Birth or adoption of a child

  • Loss of other health coverage

  • Permanent move

How do I use an SEP?

  1. Complete the enrollment process.

  2. Provide any required documentation.

  3. Select a qualifying health plan.

Key takeaway

Employees who experience a qualifying life event may be eligible to make coverage changes through an SEP.

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