What is a Special Enrollment Period (SEP) and when might it apply?

• A. The annual fixed enrollment window for marketplace plans.
• B. A window to enroll or change plans outside open enrollment triggered by life events such as marriage, birth/adoption, job or coverage loss, or move.
• C. A period when premiums are discounted for first-time enrollees.
• D. A time when only catastrophic plans are available.

Answer: (B)