Life Happens. But what is a “qualifying life event” when it comes to health insurance?

Do You Qualify For the Special Enrollment Period?

In most cases, you can only sign up for a health insurance plan during the open enrollment period.  But if you’ve had a major life change lately, such as losing a job, you may qualify for the Special Enrollment Period.  

Qualifying Life Events take in:

• Losing your job
• Change of earnings or household type
• Moving outside of your current network
• Getting married
• Having a baby or adopting a child
• Becoming a U.S. citizen
• Proving that your health insurance company violated its contract with you
• Losing coverage on a family member's policy because you turned 26
• Separating from or divorcing a spouse or the policy holder has passed away
• If you are a member of an American Indian and Alaska Native tribe

Don't Wait

If you missed the Nov. 1 open enrollment and don’t qualify for the Special Enrollment Period, you can work straight with us to buy a short-term insurance plan to cover you through the end of the year. You have only 60 days after the qualifying life event to sign up or change your health plan during special enrollment. If you’re losing insurance through your job, then it’s only 30 days for COBRA.

You can call us at 866-793-1515 or visit your local agent to learn more.

Originally published August 17, 2015; Revised 2018, 2020