If a consumer gains a dependent due to birth or adoption in the last 60 days, their eligibility to enroll in a QHP is:

If a consumer gains a dependent due to birth or adoption in the last 60 days, their eligibility to enroll in a QHP is:

• A. Ineligible to Enroll in a QHP
• B. Eligible to Enroll in a QHP (If otherwise meets criteria to enroll in a QHP)
• C. Eligible to Enroll only after a SEP
• D. Not eligible for a QHP at this time

Answer: (C)

Gaining a dependent through birth or adoption triggers a Special Enrollment Period. Because the event occurred within the last 60 days, the consumer may enroll in a QHP during that SEP window. The best choice reflects that enrollment is allowed specifically because a qualifying life event created a SEP, not during regular open enrollment. The other options would imply eligibility outside the SEP or without the life-event trigger, which isn’t how SEPs operate.

Gaining a dependent through birth or adoption triggers a Special Enrollment Period. Because the event occurred within the last 60 days, the consumer may enroll in a QHP during that SEP window. The best choice reflects that enrollment is allowed specifically because a qualifying life event created a SEP, not during regular open enrollment. The other options would imply eligibility outside the SEP or without the life-event trigger, which isn’t how SEPs operate.