Which of the following experiences does not qualify an individual for a Special Enrollment Period (SEP)?

The experience that does not qualify an individual for a Special Enrollment Period (SEP) is changing a Primary Care Physician. SEPs are designed to allow individuals to enroll in or make changes to their health insurance coverage outside of the typical Open Enrollment Period due to significant life events or changes in circumstances.

Loss of job-based coverage, marriage or divorce, and the birth or adoption of a child are all events recognized by the healthcare system as moments that could significantly impact someone's health insurance needs. They create situations where individuals may need to enroll in new coverage or modify their existing plans to ensure they continue to have access to healthcare services that meet their needs.

In contrast, changing a Primary Care Physician does not fundamentally alter an individual's health insurance coverage status or ability to access care. While it may affect the delivery of care or the relationship with a provider, it does not trigger the conditions necessary for an SEP. Therefore, this experience is not sufficient to warrant special enrollment eligibility.