While the Open Enrollment for Health Insurance has ended for 2014, there are still situations where an person can qualify for a Special Enrollment Period. If you have an Individual Health Insurance Policy that has a non-calendar year Renewal this year, you may qualify for a Special Enrollment Period, or SEP. This could occur if you have a Grandfathered or non-Grandfathered transitional policy. If you receive a renewal notice from your Insurer, please give us a call at 877-740-8683, to discuss your options and find out if it is in your best interest to shop for a new policy. This SEP is in addition to the COBRA Special Enrollment Period , relating to Group Health Insurance, that will last until July 1st. There are also the regular Qualifying Life Events that will trigger an SEP. The Qualifying Life Events, or QLE’s, can include such things as gaining a dependent, through birth, marriage or adoption. If you lose Minimum Essential Coverage, through no fault of your own, this can also qualify for an SEP. This could result from a loss of a job, reduction in hours, divorce, or a permanent move. There are complex deadlines surrounding the triggering events. While most SEP’s have a 60 day day window, there are some with only 30 days. If you thing you might qualify for an SEP, please call 877-740-8683, or visit www.healthreformenrollmentcenter.com , to speak to a licensed Insurance Agent for a person evaluation of your situation. If you can’t qualify for an SEP, there are still options available for Short Term Insurance, and the 2015 Open Enrollment will start November 15th.