A change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a Special Enrollment period.
This would then allow you to enroll in health insurance outside the yearly Open Enrollment period.
There are 4 basic types of qualifying life events. The following are examples, not a full list.
♦ Loss of health coverage
Losing existing health coverage, including job-based, individual, and student plans
Losing eligibility for Medicare, Medicaid, or CHIP
Turning 26 and losing coverage through a parent’s plan
♦ Changes in household
Getting married or divorced
Having a baby or adopting a child
Death in the family
♦ Changes in residence
Moving to a different ZIP code or county
A student moving to or from the place they attend school
A seasonal worker moving to or from the place they both live and work
Moving to or from a shelter or other transitional housing
♦ Other qualifying events
Changes in your income that affect the coverage you qualify for
Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
Becoming a U.S. citizen
Leaving incarceration (jail or prison)
AmeriCorps members starting or ending their service