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13 qualifying life events that trigger ACA special enrollment
Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

Latest News & Topics

Latest News & Topics

Featured

Featured
Finalized federal rule reduces total duration of short-term health plans to 4 months
A finalized federal rule will impose new nationwide duration limits on short-term limited duration insurance (STLDI) plans. The rule – which applies to plans sold or issued on or after September 1, 2024 – will limit STLDI plans to three-month terms, and to total duration – including renewals – of no more than four months.
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Frequently-asked questions by tag

If I sign up for a Bronze plan during open enrollment, can I bump my coverage up to a higher level several months later if I find out that I need surgery? photo

If I sign up for a Bronze plan during open enrollment, can I bump my coverage up to a higher level several months later if I find out that I need surgery?

February 5, 2024 – After open enrollment ends, you generally can't change your policy until the next open enrollment period, unless you experience a…

If I let my health plan auto-renew for January, am I stuck with it for the rest of the year? photo

If I let my health plan auto-renew for January, am I stuck with it for the rest of the year?

February 5, 2024 – In most states, no, but you'll likely only have until January 15 to pick a new plan. After that, you'll need a qualifying event to make a…

I purchased health insurance under the Affordable Care Act in Texas, but I have moved to Colorado. How do I transfer my coverage? photo

I purchased health insurance under the Affordable Care Act in Texas, but I have moved to Colorado. How do I transfer my coverage?

December 21, 2023 – If you purchased ACA-compliant health insurance in Texas and you're moving to Colorado, you'll need to select a new Colorado plan rather…

If my income is less than expected this year, I might be eligible for Medicaid. What can I do to cover my bases? photo

If my income is less than expected this year, I might be eligible for Medicaid. What can I do to cover my bases?

November 13, 2023 – Income volatility and its impact on subsidy eligibility have been addressed by various provisions of the ACA and IRS regulations. But since…

If I’ve enrolled in a plan for the new year, can I change my mind and pick a different plan? photo

If I’ve enrolled in a plan for the new year, can I change my mind and pick a different plan?

December 16, 2021 – You can make multiple plan selections during open enrollment, as long as you complete the final plan change by the end of open enrollment.…

I will be retiring from my job in March and moving to a new state. Do I have to establish residency there before I can apply for ACA coverage? photo

I will be retiring from my job in March and moving to a new state. Do I have to establish residency there before I can apply for ACA coverage?

September 15, 2021 – In most cases, you need to be living in a state in order to apply for insurance in that state (although it's possible to obtain coverage…

I was laid off and don’t have any income. What are my health insurance coverage options? photo

I was laid off and don’t have any income. What are my health insurance coverage options?

September 15, 2021 – Loss of employer-sponsored insurance because you were laid off counts as a qualifying event, and special enrollment continues for 60 days…

My son is covered on my employer’s policy through July 31. Can he enroll in a new plan starting on August 1, or did he need to have purchased a plan during open enrollment? photo

My son is covered on my employer’s policy through July 31. Can he enroll in a new plan starting on August 1, or did he need to have purchased a plan during open enrollment?

January 5, 2021 – Aging out of your parent's coverage triggers a special enrollment period – as long as the coverage was minimum essential coverage.…