Available Now: Marketplace SEP for Consumers with Unemployment Compensation

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agents and brokers - selling in the healthcare dot gov marketplace

Special Enrollment Period

for Consumers with Unemployment Compensation

The American Rescue Plan (ARP) provides additional savings to help consumers access affordable, quality health coverage options, including expanded opportunities for those who received or are approved to receive unemployment compensation in 2021.


Starting July 1, 2021, the Centers for Medicare & Medicaid Services (CMS) added a new function to HealthCare.gov to allow consumers who receive or are approved to receive unemployment compensation for any week beginning during 2021 to access new savings on health insurance coverage, if they qualify.


Until August 15, these consumers could use the 2021 Special Enrollment Period (SEP) to newly enroll in Marketplace coverage with these additional savings. Now that the 2021 SEP has ended, consumers who don’t already have 2021 coverage, who don’t have another SEP (e.g., loss of coverage), and who attest to receiving or being approved to receive unemployment compensation in 2021 can access an SEP to enroll in 2021 Marketplace coverage and access the additional advance payments of the premium tax credit (APTC) and cost-sharing reductions (CSRs) for which they qualify.


Each week CMS will review HealthCare.gov applications and identify applicants eligible for this SEP. This means that when a consumer initially submits their application, the SEP will not appear in their eligibility results. Instead, they will be notified of their eligibility by email or phone, depending on their communication preference, and access to the SEP will be provided through their account on HealthCare.gov. Additionally, eligible individuals who have a HealthCare.gov account will see a message in their My Account notifying them of their eligibility within one week of submitting their application. Consumers may call the Marketplace Call Center if they have questions.


Information for people who get or were approved to get unemployment compensation, see:

Have questions? Contact the Agent/Broker Email Help Desk at FFMProducer-AssisterHelpDesk@cms.hhs.gov.

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