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
Please Note: If you’re on a parent’s Marketplace plan, you can stay covered on their plan through December 31 of the year you turn 26 (or the age permitted in your state).
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.