Which of the following experiences qualifies an individual for a Special Enrollment Period (SEP)?

An individual qualifies for a Special Enrollment Period (SEP) through various significant life events that impact their health insurance needs. Changes in household can include marriage, divorce, or the birth of a child, all of which may necessitate a reevaluation of health coverage options. Losing qualifying health coverage can occur due to job loss, aging out of parental coverage, or the end of a short-term plan, which directly affects a person's access to health insurance. The introduction of an employer-offered Individual Coverage Health Reimbursement Arrangement (ICHRA) represents another valid reason since it essentially alters the individual's access to employer-sponsored health insurance options.

Therefore, the combination of these circumstances—changes in household dynamics, loss of previous health coverage, and new health benefits through an employer—fully encompasses the reasons that trigger a Special Enrollment Period, making the comprehensive answer correct. This framework allows individuals to secure health coverage outside of the annual open enrollment period when these significant changes occur.