A Special Enrollment Period generally gives you 60 days from your life event to enroll.
Select your life event and its date to see the last day you can enroll.
About the ACA SEP deadline checker
The ACA SEP deadline checker turns a Marketplace qualifying life event and its date into the last day you can enroll. Most Special Enrollment Periods give you 60 days from the event, so the checker shows that window, the final enrollment day, and which document tends to confirm the event, all on one screen.
It runs entirely in your browser, needs no sign-up, and keeps no record of what you enter. It is a planning estimate, not legal, tax, or insurance advice, and every result links to the official HealthCare.gov guidance with the date that wording was reviewed so you can confirm the rules for your situation.
How to use
- Choose the life event that applies to you, such as losing coverage, getting married, having a baby, or moving.
- Enter the date the event happened.
- Select Check enrollment deadline to see your last day to enroll and the full 60-day window.
- Note the document reminder, then confirm the details on HealthCare.gov before you act.
Worked examples
Lost coverage June 1 -> enroll by July 31
Losing job-based coverage on June 1 opens a 60-day window, so the last day to enroll is around July 31, and you may enroll up to 60 days before the loss.
Married June 15 -> enroll by August 14
Getting married on June 15 starts a 60-day Special Enrollment Period that ends about August 14.
Baby born June 10 -> coverage back to June 10
After a birth you have 60 days to enroll, and coverage can usually be effective on the date of birth even if you enroll later.
Frequently asked questions
- How long is a Special Enrollment Period?
- Most Marketplace Special Enrollment Periods give you 60 days from the date of your qualifying life event to enroll in or change coverage.
- Can I enroll before I lose coverage?
- Yes. If you know your coverage will end, you can usually enroll up to 60 days before the loss as well as 60 days after, which can help you avoid a gap.
- When does coverage start after a birth or adoption?
- Coverage can usually be effective on the date of the birth, adoption, or placement, even if you complete enrollment later in the 60-day window.
- What counts as a qualifying life event?
- Common examples are losing health coverage, getting married, having or adopting a child, a permanent move, and losing Medicaid or CHIP. Other events can also qualify, so confirm your situation on HealthCare.gov.
- Do I need documents to confirm my event?
- Often yes. The Marketplace may ask for proof, such as a coverage-end letter, a marriage certificate, or a birth record, before your coverage can start. The checker lists a reminder for each event.
- Is this legal or insurance advice?
- No. This tool is a planning estimate only. Windows and effective dates can differ by state-based marketplace and by your circumstances, so confirm the rules with the official source before you act.
- Are the dates I enter stored anywhere?
- No. The check happens in your browser, and the event and date you enter are not saved or sent to a server.
Use this again tomorrow
Save this page so it's one tap away when you need a quick result.
Take a 2-minute brain break.
Play Daily Challenge on sts.games