A special Enrollment Period is a time when you’re allowed to make changes to your health insurance plan even though it’s not an open enrollment period.
Special enrollment periods are standard with health insurance you get through an employer. Normally, you’re not allowed to sign up for health insurance or make any health plan changes except during the annual open enrollment period. However, certain qualifying events (including being offered a qualified small employer HRA or an individual coverage HRA) will trigger a special enrollment period allowing you to make changes for a certain period of time after the triggering event. If you don’t make the necessary changes to your health insurance during the special enrollment period, you’ll have to wait until the next open enrollment period to make any changes.