Qualifying Life Events are specific life changes that let someone enroll in or change Marketplace coverage outside the Open Enrollment Period. They usually fall into two main groups:
Losing Coverage
Losing your employer-sponsored coverage
Employer dropping coverage
Losing Medicaid or CHIP eligibility
Turning 26 and losing a parent’s plan
Moving or relocating and losing coverage as a result
COBRA expiring
Life Events
Having a baby (event is for the infant only)
Becoming a U.S. citizen
Getting married
Getting divorced and losing coverage
Getting out of prison or jail
Adopting a child (event is for the child only)
Placing a child for adoption
Gaining status as a member of a federally recognized tribe
This is a summary of the most common Qualifying Life Events. For timing rules and the full list of qualifying events and special situations, visit HealthCare.gov.