Special Enrollment Periods in New Jersey

In New Jersey, the Open Enrollment Period runs from November 1 to January 31 each year. Outside of this window, you may qualify for an SEP if you experience a Qualifying Life Event (QLE). Examples of QLEs include:

• Loss of health coverage: Losing existing health insurance, such as employer-sponsored coverage.
• Change in household: Events like marriage, divorce, birth, or adoption of a child.
• Change in residence: Moving to a different ZIP code or county that affects your coverage options.

To determine your eligibility for an SEP and explore available plans, visit Get Covered New Jersey.

Special Enrollment Periods in Pennsylvania
Pennsylvania residents utilize Pennie, the state’s official health insurance marketplace. Similar to New Jersey, Pennie offers SEPs for individuals who experience life events such as:

• Loss of health coverage: Including loss of employer-sponsored insurance or Medicaid.
• Household changes: Such as marriage, divorce, or the birth/adoption of a child.
• Relocation: Moving to a new area that offers different health plan options.

If you qualify for an SEP, you typically have 60 days from the date of the qualifying event to enroll in a new plan. For more information and to see if you qualify, visit Pennie’s SEP Overview.

How Truce Benefits Can Assist
Navigating SEPs can be complex, but Truce Benefits is here to help residents of New Jersey and Pennsylvania understand their options and secure appropriate health coverage. Our team of experts can guide you through the process, ensuring you make informed decisions tailored to your unique circumstances.

Contact Us Today
If you’ve experienced a qualifying life event or have questions about enrolling in health insurance outside the Open Enrollment Period, don’t hesitate to reach out. Contact Truce Benefits today for personalized assistance and ensure you maintain the health coverage you need