Can clients change their health plan outside of the Open Enrollment Period?

Clients can indeed change their health plan outside of the Open Enrollment Period if they qualify for a Special Enrollment Period (SEP). SEPs provide a way for individuals to enroll in or change their health insurance plans due to specific life events or circumstances, such as getting married, having a baby, losing other health coverage, or moving to a new location. This flexibility is crucial for ensuring that individuals can maintain adequate health coverage during significant life changes.

The ability to change plans during an SEP reflects the system's understanding that personal circumstances can change unexpectedly, and ensuring access to health insurance is essential for continuous care.