Which of the following experiences qualifies an individual for a Special Enrollment Period (SEP)? (Select all that apply)

A change in household is one of the qualifying experiences for a Special Enrollment Period (SEP) because significant life events, such as marriage, divorce, or the birth of a child, can affect an individual's health coverage needs and eligibility. The healthcare system allows for adjustments in enrollment to accommodate these changes, ensuring that individuals can secure the necessary health coverage that aligns with their updated household circumstances.

Additionally, loss of qualifying health coverage is also a recognized event that triggers a Special Enrollment Period. Losing health coverage—whether through job loss, aging out of a plan, or other reasons—creates an immediate need for individuals to obtain new health insurance, as being without coverage can lead to significant financial risk.

While a change in primary care physician does not universally qualify for a SEP, and an employer offering an individual Coverage Health Reimbursement Arrangement (ICHRA) is an employment-related change that may provide new options but does not itself constitute a triggering event for a SEP without additional context, the significant life changes highlighted above are essential for ensuring continuous access to health insurance through the enrollment process.