How long does someone have after they move to make a change?
A client who permanently moves generally has an SEP that runs for two months after it begins (or two months after the month of the move, whichever is later), and they can then pick an effective date up to three months after the enrollment request is received. The exact start date depends on whether they notified the plan in advance of the move or after.
What the rule says
“The individual is not eligible to remain enrolled in the plan because of a change in his or her place of residence to a location out of the service area or continuation area or other change in circumstances as determined by CMS but not including terminations resulting from a failure to make timely payment of an MA monthly or supplemental beneficiary premium, or from disruptive behavior.”
“For an election or change of election made during a special election period as described in § 422.62(b), the coverage or change in coverage is effective the first day of the calendar month following the month in which the election is made, unless otherwise noted.”
On timing specifics, the CY 2027 guidance explains:
“The SEP ends: Two months following the month it begins; or Two months following the month of the move, whichever is later.”
“NOTE: An individual using this SEP may choose an effective date of up to three months after the month in which the plan receives the individual's enrollment request; however, the effective date may not be earlier than the date the individual moves to the new service area and the plan receives the enrollment request.”
“The SEP begins: The date of the change in permanent residence; The month before the change in permanent residence, for an individual who notifies the MA organization or Part D sponsor in advance of the change;”
This answer relies on the CY 2027 enrollment guidance, which applies to enrollment requests received on or after January 1, 2027 (plans may apply it to AEP enrollments effective January 1, 2027). The specific SEP window depends on whether the move was reported before or after it happened, and whether it involves an MA plan (six-month absence rule) or Part D plan (12-month absence rule).
Carrier and FMO rules are often stricter than CMS rules. This tool reports what CMS sources say and is not legal advice. Enrollment guidance shown is the CY 2027 version. Regulation text reflects the CY 2027 marketing rules, which apply to marketing beginning October 1, 2026.
This answer was generated by mapdbot from the sources listed below on September 23, 2026 and checked against them. Regulation text: eCFR as of 09/15/2026. It is for licensed insurance agents, is not legal advice, and does not cover carrier or FMO rules.
Sources cited
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