What Is Considered A Life Changing Event For Health Insurance

Qualifying life events

What, exactly, is a qualifying life effect?

A qualifying life event is a large life-changing situation — sometimes planned, sometimes unexpected — that can impact you and your health insurance. Experiencing a significant life alter may allow you to change your health programme outside of the almanac enrollment period (also called open enrollment).

Qualifying life events include (but are not necessarily limited to):¹

Having or adopting a baby
Getting married
Moving to a new surface area
Experiencing a shift in employment status
Turning 26
Getting divorced
Death of someone who shares your wellness plan
Earning U.S. citizenship
Turning 65

Sometimes Special Enrollment Periods (SEPs) may be offered for additional qualifying reasons, such as natural disaster relief or pandemic relief.

Types of qualifying life events

Many of life's big moments may open up the door to making changes to your wellness insurance coverage outside of the regular open enrollment period. Changes can nearly often be made either 30 or 60 days after the qualifying life event happens.

If you lot've experienced a qualifying life event, check your plan materials, contact your employer or call the phone number on your member ID card. Here's a little more about each event that might qualify.

Are y'all turning 65?

Turning 65 is some other moment in time that'due south a qualifying life event. It gives you a take a chance to expect into your opportunities for a Medicare plan.

If you experience a qualifying life result, sign upwardly right away

In about situations, you lot'll demand to make changes to your health plan within a specific time frame of the qualifying life event.

Changes can almost often be made either xxx or 60 days afterward the qualifying life event happen
Missing this borderline could mean having to expect until the next open enrollment, which could be as long equally a yr

If y'all've experienced a qualifying life result, bank check your plan materials, contact your employer or call the telephone number on your fellow member ID carte du jour.

Demand a programme now, only oasis't experienced a qualifying life event?

If yous're betwixt enrollment periods and haven't experienced a qualifying life consequence, there are options, like short term insurance, to span the gap. That fashion, you tin assistance assure that y'all're non without insurance at any point.

Learn what types of health insurance are available

Get an overview of the different types of insurance to see which ane may work best for you — both for correct now and to be prepared for open enrollment time.