I'm getting married but neither of us have health insurance. Do we qualify for an SEP after we get married?

As of June 19, 2017, to qualify for an SEP due to a marriage, at least one spouse must have:

• Had qualifying coverage OR
• Lived in a foreign country or in a U.S. territory for one or more days during the 60 days preceding the date of the marriage.

This prior coverage requirement does not apply to members of a federally recognized tribe or shareholders of Alaska Native Corporations (sometimes referred to as “AI/AN”).

Example: Bob and Britney got married on May 5th.

Since Britney was already enrolled in a Marketplace plan:

• Bob can join her plan
• Bob can enroll in a different plan
• Britney can enroll in a different plan with Bob

They can report their marriage and pick a Marketplace plan up to 60 days after May 5th. Their coverage will start based on accelerated prospective coverage effective dates – the first of the month after they choose a plan, regardless of when during the month they select their plan. For example, if they pick a plan on May 18, their coverage will start on June 1.