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Health Insurance Qualifying Life Event

The Health Insurance Open Enrollment Period has ended.

The health insurance Open Enrollment Period will begin again on November 1, 2020.  However, you may qualify to change or add to your coverage if you have a health insurance qualifying life event (QLE). If you do not have a QLE and are not currently enrolled in a health insurance plan, you can still purchase Short Term Health Insurance.

What Counts as a Health Insurance Qualifying Life Event:

  1. Loss of or Losing Coverage
    If your employer-sponsored plan ends, or will end in 60 days, you can apply for coverage.  However, beginning in 2017, your lack of knowledge about your COBRA insurance benefits is not a qualifying event.
  2. Married or Divorced
    If you get married or divorced, you have a 60-day open enrollment window that begins on your wedding day or the day your divorced is final. Your policy will be effective the first of the month following your application, regardless of what date you complete your enrollment.
  3. Permanent Move
    If you have moved, or plan to move in the next 60 days to a new state, or outside of your plan’s coverage area, for a period of at least six months.
  4. Change in Family Size
    If you have a baby, adopt a child, or place a child in foster care, you can enroll in a Marketplace health plan for up to 60 days after the event and coverage can start the day of the event. This is true even if the event happens this year and you don’t apply until early of the next year.

There are other opportunities for qualifying life events. If you’re looking for health insurance, many plans are available.

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