He Didn't Think He Qualified. He Did.
The Window He Didn’t Know He Had
Dennis assumed he’d missed his chance entirely, stuck with a plan he no longer wanted, certain he’d have to wait until the next Annual Enrollment Period months away. He hadn’t missed anything. A qualifying life event had quietly opened a Special Enrollment Period he never knew existed.
Assuming you’re stuck until the next Annual Enrollment Period? Find out if a window is open for you right now
Common Qualifying Events
Losing employer or union coverage (an 8-month SEP), moving outside your plan’s service area, qualifying for Medicaid or Extra Help, moving into or out of a care facility.
New for 2026
A new SEP protects people who picked a Medicare Advantage plan and discover, within 3 months, that an expected in-network provider actually isn’t.
Not sure if your circumstances qualify for an SEP? Confirm your specific situation, don’t guess
Do I Qualify?
Depends entirely on your circumstances, worth confirming directly rather than assuming either way.
Does Losing COBRA Count?
No, a common and costly misunderstanding. COBRA ending doesn’t open a new SEP, your active-coverage SEP clock started earlier.
How Long Do I Have?
Most SEPs last 63 days; the working-past-65 SEP extends to 8 months. Act quickly once you know you qualify.
Ready to Talk It Through?
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This is an advertisement for insurance. Not connected with or endorsed by the U.S. government or the federal Medicare program.
