For Special Circumstance

Qualifying life events allow you to sign up for individual & family health insurance outside of the Open Enrollment Period.

Why choose Bright Health?

Our goal is to provide quality plans, accessible care and save you hundreds. You still get what you need to stay healthy – medical care, large networks, pediatric care, prescription drugs, and dental and vision. You can also get extras, like the ability to earn cash rewards.

We work with our care partners – a curated network of doctors, clinics, and hospitals – to help provide you more seamless care at a lower price. Care partners typically offer built-in features such as no referrals, 24/7 nurse lines, and after-hours appointments. They also may offer extras for Bright Health plan members, such as online bill pay, text reminders, and in-home care.

What is a Special Enrollment Period?

Special Enrollment Period (SEP) is a time when you can sign up for health coverage outside of the annual Open Enrollment Period (OEP), which starts November 1.

You can sign up during an SEP when you’ve experienced certain qualifying life events, such as losing your health coverage because of a job loss or turning 26.

You have 60 days after your qualifying life event to sign up. If you miss that window, you have to wait until the next OEP.

Do I qualify for a SEP?

Loss of coverage

• Changes to job-based, student, or individual coverage.

• Turning 26 and losing coverage through a parent’s plan.

• Losing eligibility for Medicare, Medicaid, or Children’s Health Insurance Program (CHIP).

Household size change

• Getting married.

• Birth, adoption, or placing a child in foster care.

• Getting divorced or legally separated.

• Death in the family.

Residence Changes

• Moving to a different ZIP code or county

• Moving to the US from a foreign country or US territory.

• A student moving to or from school.

• Moving because of seasonal work.

Ready to get started?

You’ll need certain documents handy to sign up based on your qualifying life event. For example, a birth certificate, adoption record, marriage license, or letter from a previous employer.