How many days after birth, adoption, or foster care do consumers have to select a plan through an SEP?

How many days after birth, adoption, or foster care do consumers have to select a plan through an SEP?

• A. 30 days
• B. 45 days
• C. 90 days
• D. 60 days

Answer: (D)

Special Enrollment Periods let you add coverage when a life event changes your situation. For birth, adoption, or placement in foster care, you have 60 days from the event to enroll in a plan. This 60-day window ensures you can secure health coverage for the new family member without waiting for the next Open Enrollment. If you enroll within those 60 days, the new coverage can start from the date of the event (birth date for a newborn; date of placement for adoption or foster care). If you miss the window, you’d need to wait for the next Open Enrollment or another qualifying life event SEP.

Special Enrollment Periods let you add coverage when a life event changes your situation. For birth, adoption, or placement in foster care, you have 60 days from the event to enroll in a plan. This 60-day window ensures you can secure health coverage for the new family member without waiting for the next Open Enrollment. If you enroll within those 60 days, the new coverage can start from the date of the event (birth date for a newborn; date of placement for adoption or foster care). If you miss the window, you’d need to wait for the next Open Enrollment or another qualifying life event SEP.