Special Enrollment Period

Special Enrollment Periods (SEP) allow for health insurance coverage enrollment any time during the year. Did you miss the opportunity to enroll in a Qualified Health Plan through Nevada Health Link? Although the deadline to enroll in coverage ended on Dec. 15th with an extension to those Nevadans who started an application on or before Dec. 20th at midnight, you or a loved one may be eligible to enroll now if you report a life or income change.

When Your Life Changes, Your Health Coverage Could Too

Once you sign up for coverage through Nevada Health Link, you must report any life and income changes. This will ensure you continue to receive the correct coverage and savings for you and your family.

  • If your income goes up or you lose a member of your household, you may qualify for less savings than you’re getting now. If you don’t report these changes, you could wind up having to pay back the difference when you file your federal tax return for the coverage year.
  • If your income goes down or your gain a household member, you could qualify for more savings than you’re getting now. This could reduce the amount you pay in monthly premiums. You could also qualify for Medicaid or CHIP coverage.

Life changes include:

Loss of health coverage

You or anyone in your household lost qualifying health coverage. Some examples include:

  • Coverage through a job, or through another’s person’s job. This also applies if you’re now eligible for help paying for Nevada Health Link coverage because your employer stops offering coverage or the coverage is no longer considered qualifying coverage.
  • Medicaid or NV Check Up coverage
  • Medicare
  • Individual or group health plan coverage that ends during the year
  • Coverage under your parent’s health plan (if you’re on it). If you turn 26 and lose coverage, you can qualify for Special Enrollment Period

Note for ALL LIFE CHANGES: This Special Enrollment Period doesn’t include loss of coverage because you didn’t pay your premiums or if your coverage was taken away because of fraud or intentional misrepresentation. You may report a loss of qualifying health coverage up to 60 days before the loss of coverage.
Important, applies for ALL LIFE CHANGES: If you’re enrolling in Marketplace coverage for the first time, you may need to submit documents to confirm that you qualify for this Special Enrollment Period.

Change in household size:

  • Get married or divorced
  • Had a baby, adopted a child, or placed a child for foster care or adoption

Note: If you gained or became a dependent due to marriage, one spouse must have also had qualifying health coverage for one or more days in the 60 days prior to the marriage. This does not apply if the spouse:

    • Was living in a foreign country or a U.S. territory for one or more days in the 60
      days prior to the marriage.
    • Is a member of a federally recognized tribe or a shareholder in an Alaska Native
    • Lived for one or more days during the 60 days before their move or during their
      most recent enrollment period in a service area where they couldn’t get qualifying
      health coverage through the Marketplace.

Change your place of residence – moving

  • Moving to a new home in a new zip code or county
  • Moving to U.S. from a foreign country or U.S. territory
  • Moving to or from the place you attend school
  • Moving to or from the place of your seasonal employment
  • Moving to or from a shelter or other transitional housing

Experience a change in disability status

Gain or lose a dependent

Gaining U.S. Legal Status

Experience other changes that may affect your income and household size

Other changes to report: change in tax filing status; change of citizenship or immigration status; incarceration or release from incarceration; change in status as an American Indian/Alaska Native or tribal status; correction to name, date of birth, or Social Security number.

Important: When you apply, you must attest that the information you provide on the application is true, including the facts that qualify you for a Special Enrollment Period.
For more information: visit the FAQs on SEPs on the State Based Exchange platform.

When to report changes:

You should report these changes as soon after the change occurs as possible.

If these changes qualify you for a Special Enrollment Period to change plans, in most cases you may have up to 60 days from the life event to enroll in new coverage. If the changes qualify you for more or less savings, it’s important to make adjustments as soon as possible.

How to report changes:

      • See if you qualify for a Special Enrollment Period due to a life event like the life changes listed above and contact Nevada Health Link as soon as possible.
      • Contact Nevada Health Link by calling: 1-800-547-2927; email us at: CustomerServiceNVHL@exchange.nv.gov
      • Important: Do not report these changes by mail.
      • Learn more about changing plans and how to report life changes for SEP by visiting our FAQ page.

Steps to report changes in your Nevada Health Link account online: 

      1. Log into your Nevada Health Link account and click “Edit Application.”
      2. The life change must be within 60 days of the current date to gain coverage during a Special Enrollment Period.
      3. Follow instructions on the screen to complete the application process. At the end of the application, you will click “Confirm Event and Finalize Plans.”Some qualifying life events will require you to submit documentation. If this is the case, you’ll receive a notification in your secure inbox.


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