***2026 Plan Year Open Enrollments***
Sign up during these enrollment periods for your 2026 Healthcare coverage!
Individual & Family Healthcare Plan Open Enrollment:
November 1st, 2025 - December 15th, 2025
MEDICARE Open Enrollment:
October 15th, 2025 - December 7th, 2025
*LICENSED Marketplace Agents*
Contact us Today to see if your household income qualifies for a gov't assistance subsidized health plan!
Ask us about other ways to supplement your Healthcare costs.
John ter Avest Agency, Inc.
Your Window to Health Care Benefits
Since 1953
God Bless The USA!
Qualifying Events for a S.E.P. include but are Not limited to:
Getting Married
Having a baby or adopting a child
Getting Divorced
Death of Primary insured
Move to a new home in a new ZIP code or county
Lost MEDICAID or CHIP
Lost coverage through an employer
Retirement
Becoming a U.S. citizen
Leaving incarceration
You ONLY have 60 days from the date of the event to enroll in healthcare coverage! Contact us for more information.
Special Enrollment Period (SEP) Overview• SEPs provide a way for people who lose health insurance or experience other qualifying events, during the year, to enroll in or change coverage outside of the annual open enrollment period• In most cases, consumers must have prior minimum essential coverage (MEC) for at least 60 days before attesting to a SEP.• For most SEPs, consumers have 60 days from the date of the qualifying event to enroll in or change coverage.• Special Enrollment Period Verification (SEPV) is a process that aims to confirm a consumer’s application attestation of experiencing a Qualifying Life Event which would make them eligible for a Special Enrollment Period (SEP).• Beginning May 16, 2025, CMS resumed SEP Verification (SEPV) for the Loss of MEC SEP only.• New, unenrolled applicants who attest to losing MEC as a SEP qualifying event will be subject to the SEPV process of pre-enrollment verification.• Some consumers will be able to have their loss of MEC verified at application submission through trusted data sources.• Other eligible consumers must submit documents that confirm their SEP eligibility before they can enroll and start using their Marketplace coverage.
SEPV Process• An SVI (SEP Verification Issue) is created when new applicants qualify for an SEP that is subject to pre-enrollment verification.• Before new applicants can be enrolled in and start using their coverage,they must submit documents to confirm their SEP qualifying event.• The SVI type will be tied to the SEP qualifying event to which they attested on their application, like a loss of health coverage.
2026 Open Enrollment Begins November 1st, 2025
Individuals & Families may begin enrolling in coverage for 2026 on November 1st, 2025. Please contact us to schedule an appointment.
We are here to assist you with your enrollment at No Cost!
GIVE US A CALL you may be eligible for little to no cost healthcare. Don't wait!
GIVE US A CALL you may be eligible for little to no cost healthcare. Don't wait!
Losing MEDICAID benefits?
Are you NO longer Medicaid eligible due to an increase in income?
Are you losing Medicaid because the Emergency coverage due to the pandemic is ending?
GIVE US A CALL you may be eligible for little to no cost healthcare. Don't wait!
Are you losing Medicaid because the Emergency coverage due to the pandemic is ending?
GIVE US A CALL you may be eligible for little to no cost healthcare. Don't wait!
Here at John ter Avest Agency we specialize in quality Health, Life, and Disability Insurance products from leading insurance companies. Providing affordable Group and Individual coverage programs since 1953 has given us the experience and reputation you can trust.
Some carriers we participate with:
