{"id":10296,"date":"2025-02-17T10:24:20","date_gmt":"2025-02-17T10:24:20","guid":{"rendered":"https:\/\/finderica.com\/?p=10296"},"modified":"2025-02-17T10:24:20","modified_gmt":"2025-02-17T10:24:20","slug":"what-is-a-qualifying-life-event-for-health-insurance","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=10296","title":{"rendered":"What Is a Qualifying Life Event for Health Insurance?"},"content":{"rendered":"<div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Under most circumstances, you can only sign up for or change health insurance during the annual <\/span><span class=\"_28z5Fp _3-to_p\">open enrollment period<\/span><span class=\"_28z5Fp _3-to_p\">. Certain life changes, however, may make you eligible for a special enrollment period, which allows you to sign up for coverage outside of open enrollment. These circumstances are called qualifying life events and may include changes in your household, place of residence, health coverage or other events<\/span><button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-6-2-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><span class=\"_21EZtY _28z5Fp _2JIHTU vLzrnO\" data-currency=\"Link\" target=\"_self\"><sup>[0]<\/sup><\/span><\/button><span id=\"nw-aria-ssr-6-2-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/span><span class=\"_28z5Fp _3-to_p\">.<\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"what-are-the-types-of-qualifying-life-events\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">What are the types of qualifying life events?<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Qualifying life events fall into four major categories, according to HealthCare.gov<\/span><button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-6-4-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><span class=\"_21EZtY _28z5Fp _2JIHTU vLzrnO\" data-currency=\"Link\" target=\"_self\"><sup>[0]<\/sup><\/span><\/button><span id=\"nw-aria-ssr-6-4-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/span><span class=\"_28z5Fp _3-to_p\">: <\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\" id=\"1.-household-changes-in-the-past-60-days-which-may-include:\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">1. Household changes in the past 60 days, which may include:<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Getting divorced or legally separated, but only if this caused you to lose health coverage.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Giving birth to, adopting or placing a child in foster care.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The death of someone on your plan, if this causes you to lose coverage.<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\" id=\"2.-residential-changes-which-may-include:\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">2. Residential changes, which may include:<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Moving to a new ZIP code or county.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Moving to or from where you go to school.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Moving to or from where you live and work, if you work seasonally.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Moving to or from a shelter or another type of transitional housing.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Moving to the U.S. from a U.S. territory or foreign country.<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Note: For residential changes, you\u2019ll need to prove you had qualifying health coverage for at least a day during the 60 days before your move in order to qualify for a special enrollment period. Going on vacation or moving solely for medical treatment won\u2019t qualify you.<\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\" id=\"3.-loss-of-health-coverage\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">3. Loss of health coverage<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">If you or anyone in your household lost qualifying health coverage (including employer-provided health plans) during the past 60 days, or expects to lose this coverage in the next 60 days, you may be able to use a special enrollment period. This eligibility includes loss of health coverage through a parent because you turned 26 and are now too old to be a dependent on their policy. <\/span><\/p>\n<\/div>\n<h4 class=\"_3P4ktl _2LuWPZ _28z5Fp N36gAq\" data-currency=\"Text\"><span class=\"_3P4ktl _2LuWPZ _28z5Fp _3-to_p\">Individual health coverage<\/span><\/h4>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">If you have individual (non employer-based) health coverage, you may qualify if:<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Your marketplace or other individual plan is discontinued.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">You\u2019re no longer eligible for your plan because you moved outside the plan\u2019s service area.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">You lose eligibility for a student health insurance plan.\u00a0<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Your household income has gone down, qualifying you for marketplace plan savings.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Your health plan ends in the middle of the year and you opted not to renew it.<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<h4 class=\"_3P4ktl _2LuWPZ _28z5Fp N36gAq\" data-currency=\"Text\"><span class=\"_3P4ktl _2LuWPZ _28z5Fp _3-to_p\">Medicaid or CHIP <\/span><\/h4>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">For Medicaid or Children\u2019s Health Insurance Program (CHIP), you may qualify if you\u2019ve lost coverage in the past 90 days. Qualifying circumstances may include:<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Loss of eligibility for Medicaid or CHIP.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">You applied for these programs during the open enrollment period, but by the time you were denied, open enrollment had ended.<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<h4 class=\"_3P4ktl _2LuWPZ _28z5Fp N36gAq\" data-currency=\"Text\"><span class=\"_3P4ktl _2LuWPZ _28z5Fp _3-to_p\">Medicare<\/span><\/h4>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">If you lost premium-free <\/span><span class=\"_28z5Fp _3-to_p\">Medicare<\/span><span class=\"_28z5Fp _3-to_p\"> Part A coverage, you may qualify for a special enrollment period. You won\u2019t qualify, however, if you lost Medicare Part B or Part D only, or if you lost Medicare Part A because you didn\u2019t pay your premiums.<\/span><\/p>\n<\/div>\n<h4 class=\"_3P4ktl _2LuWPZ _28z5Fp N36gAq\" data-currency=\"Text\"><span class=\"_3P4ktl _2LuWPZ _28z5Fp _3-to_p\">Employer reimbursement<\/span><\/h4>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">You may also qualify if you or someone in your household was offered an individual coverage health reimbursement arrangement (HRA) or a qualified small employer health reimbursement arrangement (QSEHRA) in the past 60 days (or expect to in the next 60 days). Note: Your employer may use a different name for an HRA, such as an ICHRA.<\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\" id=\"4.-other-qualifying-events\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">4. Other qualifying events <\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">A few other situations that may be considered qualifying life events include:<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Income changes that affect your coverage eligibility.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Becoming a member of a federally recognized tribe or gaining status as an Alaskan Native Claims Settlement Act (ANCSA) Corporation shareholder.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Beginning or ending service as an AmeriCorps member.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Being released from incarceration.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Being the victim of a natural disaster or uncontrollable event such as a flood, hurricane or earthquake.<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"how-can-i-sign-up-for-coverage-if-i-have-a-qualifying-life-event\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">How can I sign up for coverage if I have a qualifying life event?<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">First, check to see if you qualify for a special enrollment period at <\/span><a class=\"_28z5Fp _2JIHTU vLzrnO _3mJuQ4\" href=\"https:\/\/www.healthcare.gov\/screener\/\" data-currency=\"Link\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><span class=\"_28z5Fp _3-to_p\">HealthCare.gov<\/span><\/a><span class=\"_28z5Fp _3-to_p\">.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">To apply for a marketplace plan, you can <\/span><a class=\"_28z5Fp _2JIHTU vLzrnO _3mJuQ4\" href=\"https:\/\/www.healthcare.gov\/create-account\" data-currency=\"Link\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><span class=\"_28z5Fp _3-to_p\">create a marketplace account<\/span><\/a><span class=\"_28z5Fp _3-to_p\"> and submit a new application or <\/span><a class=\"_28z5Fp _2JIHTU vLzrnO _3mJuQ4\" href=\"https:\/\/www.healthcare.gov\/login\" data-currency=\"Link\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><span class=\"_28z5Fp _3-to_p\">update your existing application<\/span><\/a><span class=\"_28z5Fp _3-to_p\"> to report a life change. If your state doesn\u2019t use the federal marketplace website, you\u2019ll be directed to your state\u2019s marketplace website to sign up. (Note: If you\u2019ve moved out of state, you\u2019ll need to start a new application, even if you already have an existing one for your former state.)<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">You can also create or update a marketplace account 24 hours a day, seven days a week (except holidays) by calling HealthCare.gov at 800-318-2596 (TTY: 855-889-4325). If your state has its own marketplace, you\u2019ll be given the phone number for your state.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\"><\/ul>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"what-documents-might-i-need-to-sign-up-for-coverage\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">What documents might I need to sign up for coverage?<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">To show proof that you\u2019ve had a qualifying life event and are eligible for a special enrollment period, you may be asked to submit documents. These documents need to include your name and the date you lost coverage, and they can be uploaded on your application or mailed in. You\u2019ll need to submit any required documents before you can use your new coverage, but it\u2019s recommended that you pick your plan first and then send the documents within 30 days.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The type of documentation will depend on the qualifying life event that made you eligible. Here are some acceptable documents, according to HealthCare.gov<\/span><button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-6-26-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><span class=\"_21EZtY _28z5Fp _2JIHTU vLzrnO\" data-currency=\"Link\" target=\"_self\"><sup>[0]<\/sup><\/span><\/button><span id=\"nw-aria-ssr-6-26-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/span><span class=\"_28z5Fp _3-to_p\">:<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">A letter from your employer<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> on official letterhead that explains that your employer dropped, discontinued contributing to or changed your coverage.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Written correspondence from the health insurer<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> that shows health coverage cancellation or decertification.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">A letter from your employer or health insurance company<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> that shows your employer\u2019s COBRA coverage offer and start date or the date your COBRA coverage ended or will end.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Health care program documentation <\/span><\/span><span class=\"_28z5Fp _3-to_p\">on official letterhead, such as a copy of your military discharge document that includes the date (DD214), a letter from your state Medicaid or CHIP agency stating that your eligibility was denied or will be terminated, or an official letter from a government health program, like Medicare, TRICARE, Peace Corps or Veterans Affairs (VA), stating when your coverage ended or will end.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">A letter on official letterhead<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> that shows you lost student health coverage, including the dates your coverage ended or will end.<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Some other supporting documents include:<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">For employer-related changes:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> Recent pay stubs showing that the deduction for health coverage has ended in the past 60 days or showing a reduction in working hours that caused you to lose health coverage.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">For changes in marital status<\/span><\/span><span class=\"_28z5Fp _3-to_p\">: Documents showing coverage was lost due to divorce, annulment, legal separation or custody agreements, which may include divorce, annulment or legal separation papers.\u00a0<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">For changes due to death of a family member:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> A death certificate or public death notice, along with proof that you were getting your health coverage due to your relationship with the deceased, such as an employer or health insurer letter that shows the names of the people on the plan.<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Note: These documents may not include all of the required information, so you may need to submit more than one.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">If you\u2019re required to submit documents, and you don\u2019t have any of those requested documents, you can submit a <\/span><a class=\"_28z5Fp _2JIHTU vLzrnO _3mJuQ4\" href=\"https:\/\/www.healthcare.gov\/downloads\/letter-of-explanation.pdf\" data-currency=\"Link\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><span class=\"_28z5Fp _3-to_p\">letter of explanation<\/span><\/a><span class=\"_28z5Fp _3-to_p\">. <\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\" id=\"how-soon-will-my-new-health-coverage-begin-after-i-sign-up\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">How soon will my new health coverage begin after I sign up?<\/span><\/h2>\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Once your old coverage ends and you successfully sign up for a new plan (including sending in documents and paying your first premium), your new coverage will start on the first day of the next month.<\/span><\/p>\n<\/div>\n<\/div>\n<p><a href=\"https:\/\/www.nerdwallet.com\/article\/health\/qualifying-life-event-health-insurance\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Under most circumstances, you can only sign up for or change health insurance during the annual open enrollment period. Certain life changes, however, may make you eligible for a special enrollment period, which allows you to sign up for coverage outside of open enrollment. These circumstances are called qualifying life events and may include changes<\/p>\n","protected":false},"author":1,"featured_media":10297,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[195],"tags":[566,326,292,189,4148],"class_list":{"0":"post-10296","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-event","9":"tag-health","10":"tag-insurance","11":"tag-life","12":"tag-qualifying"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/10296","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10296"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/10296\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/10297"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10296"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10296"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10296"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}