Special Election Period’s are declared by Federal Emergency Management Association (FEMA) or by a state or local government. This means that you might be able to make an enrollment or dis-enrollment election outside of the Annual Enrollment Period (AEP).

Who is Eligible

  • Those who live in an area for which a federal, state or local government declared a disaster emergency. Residence at the start of the SEP eligibility period is a requirement.
  • Those who were eligible for another election period at the time of the SEP eligibility period.
  • Those who did not make an election due to the declared disaster.

Agents Cannot Actively Market To You.

  • The existence of a Special Election Period does not mean that active marketing may occur.
  • It’s sole purpose is to provide a Special Election Period to impacted individuals.
  • This does not mean that insurance companies waive authorization or referral requirements.

How Long An SEP Lasts

The Special Election Period starts as of the date the declaration is made and ends two full calendar months following the end date identified in the declaration, unless otherwise noted.

Name Of Disaster & Executive Order NumberType Of DisasterState ImpactedImpacted Counties from FEMA, State or Local DeclarationFEMA, State or Local Declaration DateFEMA, State or Local Incident Start DateFEMA, State or Local Incident End DateSEP Start DateSEP End Date
 Florida Storms – Governor Declared State of Emergency #22-56Storms FLClay, Highlands, Marion & Putnam3/12/20223/12/20225/12/20223/12/20227/31/2022
Florida 1707 Adkins Avenue Fire FM-5424-FL Wildfires FLBay 3/4/20223/4/2022TBD3/4/2022TBD
Florida Bertha Swamp Road Fire FM-5426-FLWildfires FL Bay3/6/20223/6/2022TBD3/6/2022TBD
Florida Wildfires – Governor Declared State of Emergency #2022-54; Add #2022-55WildfiresFLBay, Calhoun & Gulf 3/4/20223/4/20225/3/20223/4/20227/31/2022
Florida Winter Storm Governor Declared State of Emergency Executive Order #22-17StormsFLCharlotte & Lee1/21/20221/16/20223/22/20221/16/20227/31/2022
Florida Winter Storm Governor Declared State of Emergency Executive Order #22-27, #22-28 StormsFLBrevard, Broward, Charlotte, Citrus, Collier, Daytona, DeSoto, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Indian River, Lake, Lee, Manatee, Martin, Miami-Dade, Monroe, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Sarasota, Seminole, St. Lucie, Sumter & Volusia 2/2/20221/28/20224/3/20221/28/20226/30/2022
Florida Building Collapse Governor Declared State of Emergency Executive Orders 21-148, 21-160, 21-210 and 21-247 Building CollapseFLMiami-Dade6/24/20216/24/20212/18/20226/24/20214/30/2022
Florida Tropical Storm Fred FEMA EM-3562-FL and EMT StormsFLBay, Calhoun, Citrus, Dixie, Escambia, Franklin, Gadsden, Gilchrist, Gulf, Holmes, Jackson, Jefferson, Lafayette, Leon, Levy, Liberty, Manatee, Okaloosa, Santa Rosa, Taylor, Wakulla, Walton & Washington 8/16/20218/13/2021Will Continue To Monitor FEMA For End Date8/13/2021Will Continue To Monitor FEMA For End Date
Florida Tropical Storm Fred FEMA EM-3562-FL and EMT WildfiresFLBay, Calhoun, Citrus, Dixie, Escambia, Franklin, Gadsden, Gilchrist, Gulf, Holmes, Jackson, Jefferson, Lafayette, Leon, Levy, Liberty, Manatee, Okaloosa, Santa Rosa, Taylor, Wakulla, Walton & Washington8/16/20218/13/2021Will Continue To Monitor FEMA For End Date8/13/2021Will Continue To Monitor FEMA For End Date
Name Of Disaster & Executive Order NumberType Of DisasterState ImpactedImpacted Counties from FEMA, State or Local DeclarationFEMA, State or Local Declaration DateFEMA, State or Local Incident Start DateFEMA, State or Local Incident End DateSEP Start DateSEP End Date

How Do I Use It?

Provide proof that you lived in an affected area. You may provide items like a driver’s license or utility bill that reflects the correct address. If you are unable to provide proof you might be asked to attest that you live or did live in the area impacted by the declaration. Once you verify your eligibility you may proceed with an application to enroll in a Medicare Advantage or Prescription Drug Plan.