SEP for loss of Medicaid/CHIP now permanent

August 2023

A special enrollment period (SEP) will be available January 1, 2024, for individuals losing Medicaid or Children’s Health Insurance Program (CHIP) coverage that’s considered minimum essential coverage. This permanent policy replaces the temporary SEP for individuals losing Medicaid or CHIP that’s in effect until July 31, 2024.

The SEP helps reduce gaps in coverage and allows for a more seamless transition into Marketplace coverage. It is available for 90 days after loss of coverage, which aligns with the 90-day Medicaid or CHIP reconsideration period. State-based and federally facilitated Marketplaces can provide more time for qualifying individuals to select a Marketplace plan if the state’s Medicaid or CHIP reconsideration period is longer.

For more information, see HHS Notice of Benefit and Payment Parameters for 2024 Final Rule.