Individual & Family Health Insurance

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Life events that may qualify you for a Special Enrollment Period for Individual and Family Health Insurance.

If you live in California in Orange, LA or San Francisco Counties or in Arizona in Maricopa County you can click here and get quotes direct.

  • 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 that qualify you for a Special Enrollment Period:
  • Losing job-based coverage for any reason:
  • Your employer stops offering coverage
  • You leave your job by choice
  • You get laid off or fired
  • Quitting a plan before the year ends doesn’t qualify.Losing coverage through a divorce

COBRA coverage ending (Note: If you cancel COBRA before it ends you don’t qualify for a Special Enrollment Period.)

  • Turning 26 and losing coverage under a parent’s plan
  • Losing eligibility for Medicaid or the Children’s Health Insurance Program (CHIP)(including your child aging off CHIP)
  • Be careful about dropping coverage

If you voluntarily drop coverage before the plan year ends: You don’t qualify for a

  • Special Enrollment Period. You also don’t qualify if you lose coverage because you don’t pay your premium.
  • If you don’t renew a job-based plan when its plan year ends:You do qualify for a Special Enrollment Period to buy a Marketplace plan. Very important: If the job-based plan you don’t renew is considered affordable and meets minimum, you won’t qualify for a premium tax credit that lowers the cost of your plan.
  • Moving to a new residence
  • Gaining citizenship or lawful presence in the U.S.
  • 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
  • Note:Voluntarily quitting a Marketplace plan mid-year doesn’t qualify you for a Special Enrollment Period.
  • FYIMembers of federally recognized Indian Tribes or Alaska native shareholders can enroll in or change plans once per month any time of year (not just during Open Enrollment).

Disclaimer: These events and conditions can change at any time.