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ACA Special Enrollment Period: Every Qualifying Event Explained for Florida Residents

You don't have to wait for Open Enrollment to get health insurance. Here's every qualifying life event that triggers an ACA Special Enrollment Period in Florida — and how to use it.

Jill Syfrett·January 22, 2026·6 min read

This article is currently being finalized. Check back soon for the full SEP guide.

What This Article Will Cover

  • Complete list of ACA SEP qualifying events with enrollment windows
  • Loss of qualifying coverage: job loss, COBRA expiration, aging off parents' plan
  • Life changes: marriage, divorce, birth, adoption
  • Household and income changes that affect subsidy eligibility
  • Moving to a new coverage area
  • Gaining citizenship or lawful presence
  • How to document your qualifying event for Healthcare.gov
  • What happens if you miss your SEP window

Experienced a qualifying event? Book a free consultation to enroll.

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