Consumers may be eligible for a special enrollment period (SEP) if their employer subsidized (paid for) part of their COBRA and then it stopped. For example, consumer leaves employer and employer agree to pay $500 of COBRA until 7/31/22. As of 8/1/22, the consumer is responsible for the whole COBRA premium. This could be a SEP. One of the following verifications will be required:

• Employer plan notice that shows your name and the last day of the COBRA coverage period in which the COBRA premium is subsidized by your employer.
• Letter from employer that shows your name and the last day of the COBRA coverage period in which the COBRA premium is subsidized by your employer.
• Document from third-party COBRA administrator that shows your name and the last day of the COBRA coverage period in which the COBRA premium is subsidized by your employer.

If loss of employer-sponsored insurance (ESI) happened within the last 60 days, that could be a SEP as well even if the consumer already enrolled in COBRA. Information about SEPs and what to send in for verifications can be found on /new-customers/enrollment-deadlines/special-enrollment/sep-le/index.jspMNsure.org. This page is very helpful in giving what the SEP is, who is eligible, and what verifications may be required.