What qualifying events allow me to get coverage outside Open Enrollment?

There are a handful of special circumstances and life events that could qualify you for a Special Enrollment period. This begins 60 days before the trigger event and lasts 60 days after the trigger event date. The most common “qualifying events” include:

  1. You or a dependent lose job-based coverage
  2. You are no longer Medicaid eligible 
  3. You get married or divorced
  4. You have a baby, or adopt
  5. You are turning 26 and aging off your parent's plan
  6. You permanently move out of state and gain access to new plans
  7. You gain US citizenship
  8. You are or gain status as a Native American Indian
  9. Your income changes significantly, making you newly eligible (or ineligible) for subsidies

If you have a baby, adopt a child, or place a child for foster care: Your coverage can start the day of the event – even if you enroll in the plan up to 60 days afterward.

For other qualifying events, plans start on the first of the month following purchase of health insurance.

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