Have you had a baby, gotten married, or had another major life event recently?
The regular open enrollment period to buy an individual health plan ended January 31. But, if something has changed and you or your family has experienced what's known (in insurance-speak) as a qualifying life event, you may be able to apply for coverage now, as a special enrollment.
As part of the application process, you will be asked to provide proof you’re an Alaska state resident. Your completed application and supporting documents must be received within 60 days of the life event.
Birth, placement for adoption, and adoption of a child. For qualified health plans (QHPs), this also applies to children placed in foster care, legal wards, guardianship, or medical support orders.
The COBRA coverage period ends (usually after 18 months), or the individual has exceeded the lifetime limit in the plan, and no other COBRA coverage is available.
Note: Voluntary termination of COBRA is not a qualifying event. If you terminate or stop paying for your COBRA, you must wait for the next open enrollment period to apply.
A letter from your employer or COBRA administrator indicating that the loss of COBRA coverage was because you exhausted the COBRA period or exceeded the lifetime limit in the plan. The letter must also state that no other COBRA coverage is available.
Marriage or entering into a domestic partnership, including eligibility as a dependent.
Copy of marriage certificate, or a Declaration of Domestic Partnership (a Declaration of Domestic Partnership form is required)
The loss of coverage as the result of dissolution of marriage or termination of a domestic partnership.
A copy of divorce decree or annulment papers and a letter from the prior health plan, or a statement (including the date) the domestic partnership ended, and a letter from the prior health plan.
Loss of minimum essential coverage, including loss of employer-sponsored insurance coverage (except for voluntary termination of health coverage, misrepresentation, or fraud).
Your COBRA offer letter or a letter from your employer listing each applicant who experienced a loss of coverage AND the reason for termination of health coverage
Loss of coverage as the result of the death of an employee.
A COBRA offer letter or a letter from your employer indicating a loss of coverage was due to the death of an employee.
Termination of employer contributions for coverage other than COBRA.
A letter from your employer indicating that the loss of coverage is due to the termination of employer contributions.
Loss of coverage as the result of a termination in employment or reduction in hours.
Your COBRA offer letter or a letter from your employer that indicates the loss of coverage is due to termination in employment or a reduction in hours.
A loss of Medicaid or other public program providing health benefits.
A letter from Medicaid or other program indicating ineligibility or loss of coverage.
A qualified individual or enrollee gains access to new Qualified Health Plans (QHPs) as a result of a permanent move.
Utility bills from your prior address and new address from within the last 90 days.
A situation in which a plan no longer offers benefits to the class of similarly situated individuals that includes the applicant.
A letter from the prior health plan indicating loss of coverage is due to not being in a class of similarly situated individuals.
Loss of coverage as a dependent on a group plan due to age.
A letter from employer or insurance health plan indicating the loss of coverage is due to age.
Your COBRA offer letter or a letter from your employer listing each applicant who experienced a loss of coverage AND reason for termination of health coverage.
An individual enrolled in a non-calendar year individual health care policy has a limited one time open enrollment period that is available 90 calendar days prior to the date the policy ends.
Attestation letter with description of exceptional circumstance
An individual who had not been legally present has gained legally present status by becoming a citizen of the United States, permanent resident, visa holder, or otherwise authorized resident.