What life events qualify someone for a Special Enrollment Period (SEP) to obtain ACA marketplace health coverage outside of the annual open enrollment window?

Special Enrollment Periods allow eligible consumers to enroll in or change health coverage outside the standard open enrollment window when a qualifying life event occurs. The most common SEP triggers are losing minimum essential coverage (such as losing employer coverage or aging off a parent's plan), getting married, having or adopting a child, permanently moving to a new coverage area, gaining citizenship, and certain income changes that affect subsidy eligibility. Most SEPs require enrollment within 60 days of the qualifying event. Losing coverage is the most commonly used SEP and typically provides 60 days after coverage ends.