qualifying event

What is a qualifying event?

A qualifying event is an event that triggers a special enrollment period for an individual or family to purchase health insurance outside of the regular annual open enrollment period. Our guide to special enrollment periods goes into detail about each of the qualifying events.

In the individual market (on or off-exchange), qualifying events include:

If you experience a qualifying event, you have 60 days to select a plan or switch to a different plan (in some cases, the ability to switch from one plan to another is limited during special enrollment periods). In most cases, the coverage will be effective the first of the following month if you enroll by the 15th of the month. But there are different effective date rules for marriage, birth or adoption of a child, and loss of other coverage.