Qualifying Life Event
You can only purchase a plan outside of Open Enrollment (November 1 – January 31) if you have one of the following qualifying life events:
- You have a new dependent either through marriage, domestic partnership, birth or adoption, or been granted court-appointed testamentary, child support order or other court order of a child or qualified dependent. You must add a qualified dependent within the first 60 days of the event.
- You lost your group coverage either through loss of your job or your employer is no longer paying for your health coverage. You have 60 days before and after your termination date to apply for insurance.
- You have refused or exhausted COBRA coverage within the last 60 days.
- You have been released from a prison term within the last 60 days.
- You lost your individual health care coverage when a non-calendar year policy ended. You must apply for new coverage 60 days before or after the plan renewal date.
- You permanently moved into our service area within the last 60 days.
- There was an enrollment error in your previous application. If the Exchange determines that you were enrolled in a Qualified Health Plan as the result of an error, based on inaccurate information or certain other failures on the part of the Exchange or the Department of Health and Human Services, then the Exchange may take action to correct the enrollment issue.
- You lost your minimum essential health care coverage. If you lost minimum essential coverage (not including failure to pay premiums or rescissions) or enrolled in an employer-sponsored health benefit plan that is not qualifying coverage, you have 60 days before and after your termination date to apply for insurance.
- You lost or gained eligibility for financial assistance (also called subsidies). If you and/or your eligible dependents are no longer eligible for financial assistance – or you become eligible for financial assistance – you have 60 days to apply.
- Your plan violated a material provision of its contract. If your present plan has violated an important term of your coverage agreement then you may be eligible to apply for coverage during a Limited Open Enrollment Period.
- Your employer-sponsored plan is no longer affordable.