Qualifying Life Events

Special Enrollment Period

Special Enrollment is a time outside of the open enrollment period during which you and your family have a right to sign up for health coverage. In the Marketplace, you qualify for a special enrollment period 60 days following certain life events that involve a change in family status (for example, marriage or birth of a child) or loss of other health coverage. Job-based plans must provide a special enrollment period of 30 days.

Life events that may qualify you for a Special Enrollment Period
  • Getting married
  • Having a baby
  • Adopting a child or placing a child for adoption or foster care
  • Losing other health coverage
Examples of losing coverage
- Losing job-based coverage for any reason, including resigning, getting laid off, or getting fired
- Losing coverage through a divorce
- COBRA coverage ending (but not cancelling it yourself before it expires)
- Aging off a parent’s plan when you turn 26
- Losing eligibility for Medicaid or the Children’s Health Insurance Program (CHIP)
            • Moving to a new residence
            • Renewal of a non-calendar year health plan (for example; a rate increase on a grandfathered individual or family plan or simply when an employer sponsored group plan renews.)
            • Gaining citizenship or lawful presence in the U.S.
            • Gaining or continuing status as a member of an Indian tribe or an Alaska Native shareholder. Members of federally recognized Indian tribes and Alaska native shareholders can sign up for or change plans once per month throughout the year.
            • Leaving incarceration
            • For people already enrolled in Marketplace coverage: Having a change in income or household status that affects eligibility for premium tax credits or cost-sharing reductions
            Health Quotes

            Or, if you do not have a qualifying life event, you may also apply for 
            short-term medical for Temporary Health Coverage.