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A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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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 category

If I qualify for Medicaid, should I worry about the deadline for open enrollment? photo

If I qualify for Medicaid, should I worry about the deadline for open enrollment?

December 23, 2021 – It's true that Medicaid and CHIP enrollment are year-round. But that doesn’t mean that you should disregard the end of open enrollment…

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.…

We’re moving 50 miles, but staying in the same state. Is that a qualifying event? photo

We’re moving 50 miles, but staying in the same state. Is that a qualifying event?

August 18, 2021 – A move that doesn't take you out of state may still be a qualifying event. It depends on whether the health plans available in your new…

If someone decides to not buy health insurance and is injured in accident, what happens? photo

If someone decides to not buy health insurance and is injured in accident, what happens?

January 22, 2021 – When a patient arrives at the emergency room and is uninsured and unable to pay for his care, staff there are required by law only to…

My new job will offer health benefits. Can I drop my ACA coverage when those benefits start? photo

My new job will offer health benefits. Can I drop my ACA coverage when those benefits start?

January 20, 2021 – When you enroll in an individual health insurance policy, you're on a month-to-month contract.  So you can cancel anytime, effective at…

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.…