Many people believe that the only time you can enroll in a health insurance plan is during the official Open Enrollment period, which typically runs from November 1 to January 15 each year. But in reality, there are other windows of opportunity — and if you’ve had a recent life change, you might be eligible to enroll right now through a Special Enrollment Period (SEP).
A Special Enrollment Period allows you to enroll in a health plan outside of the standard window if you’ve experienced certain qualifying life events. These events signal that your current health coverage may no longer be adequate — or that you’ve lost coverage altogether.
You may qualify for SEP if you’ve experienced any of the following:
Lost your job or employer-provided coverage
Moved to a new zip code or county
Had a change in household size (marriage, divorce, birth, or adoption)
Gained or lost eligibility for Medicaid or CHIP
Experienced a significant income change
Left incarceration
Florida Blue offers a wide range of ACA-compliant health plans, many with low deductibles and broad provider networks. If you qualify for a SEP, you can avoid waiting until November — and you may be eligible for government subsidies that significantly reduce or even eliminate your monthly premium.
Here’s how it works:
You book a free 15-minute call with an Orca Insurance Group agent.
We help verify if your life event qualifies for a SEP.
We match you with the best plan based on your needs and budget.
It’s quick, easy, and could save you thousands.
👉 Don’t wait. Book your free call and see if you qualify for coverage today.
