2021 Special Enrollment Period

On March 23, 2021, CMS.gov announced a 2021 Special Enrollment Period (SEP). Americans (not on Medicare) can get extended access to new savings through the American Rescue Plan. Your family members will have until August 15 to enroll or re-evaluate their coverage on HealthCare.gov. 

For seniors on Medicare, you can qualify for a SEP due to COVID-19 and other qualifying events.


Affordable Healthcare

Starting April 1, 2021, Americans will have over four-and-a-half months to find an affordable health care plan. “The American Rescue Plan will bring costs down for millions of Americans,” says HHS Secretary Xavier Bacerra. To save on your health insurance, visit HealthCare.gov

You can save money on your health care insurance. The average person can save $50 per month! Furthermore, 25% of enrollees who upgrade to a better plan will see fewer out-of-pocket costs or lower premiums.

2021 Special Enrollment Period senior couple healthcare.gov
Save money on health insurance at HealthCare.gov

2021 Special Enrollment Period Eligibility

Discover if you are eligible for the 2021 Special Enrollment Period (SEP). Eligible Americans who enroll under SEP can select a plan with coverage starting as soon as the following month. To take advantage of SEP savings, please review and update, if needed, your application information. Then submit your application to check SEP eligibility. 

Beginning in July, Americans eligible for SEP who have received unemployment compensation in 2021 may be able to increase savings. You could get these additional savings on HealthCare.gov as follows:

  • Enrolling in new Marketplace coverage
  • Updating your existing Marketplace application and enrollment
2021 Special Enrollment Period

Furthermore, these July savings are in addition to the increased savings available to Americans on April 1. 

SEP Availability and Costs

The 2021 Special Enrollment Period (SEP) is available to Americans in 36 states on HealthCare.gov. If your state is not available, you can access State-based Marketplaces on your state’s website. How many Americans have signed up for coverage during SEP?

On March 12, 2021, the American Rescue Plan fact sheet reported: (HHS.gov)

“More than 200,000 people signed up for Marketplace coverage through HealthCare.gov in the first two weeks.” 

Furthermore, the 2021 enrollment rate has increased “three-fold year over year.” Over 14.9 million Americans who lack health insurance will receive affordable coverage.

So how much money will the American Rescue Plan save you?

Reducing Your Healthcare Costs

The American Rescue Plan reduces your health insurance costs by lowering your monthly premiums. How much could you save?

  • An uninsured couple earning over $70,000 per year could save over $1,000 per month on premiums
  • Families of four making $90,000 will see lower premium reductions by $200 per month
  • Individuals making $19,000 will find health coverage for zero monthly premiums, saving you $66 per month on average

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Last Updated on April 1, 2021 by Brian Kondas