Special Enrollment
Special enrollment due to a qualifying event
Have you recently added a new member to your family, gotten married, or had another major life event?
If you or your family has experienced a major life event, you may qualify for a new health plan or change in your coverage now.
In most cases, you have 60 days from the qualifying life event date to apply for a health plan and provide the required documentation. In addition, most qualifying events require you to prove that you had minimum essential coverage for at least 1 day of the last 60 days to qualify. Contact customer service if you have any specific questions.
Covered through your employer?
If you’re covered through an employer-sponsored health plan, contact your employer's human resources department or your group administrator for more information about changing your plan.
Adding a dependent
Qualifying life events:
- Marriage*
- Birth, adoption, placement for adoption
- Foster care or binding court order
- Legal ward, guardianship
Examples of required documents:
- Copy of marriage certificate or state registration document
- Copy of birth certificate, adoption papers, foster care papers, medical support order
- Copy of guardianship appointment
Losing a dependent
Qualifying life events:
- Loss of coverage as a dependent as a result of death or divorce
- Reaching age 26
You will need a verification letter from your health plan showing proof that minimum essential coverage was lost AND appropriate documentation:
- Copy of death certificate
- Copy of divorce decree or annulment papers
Loss of minimum essential coverage
Qualifying life events:
- Loss of COBRA coverage
- Loss of employer-sponsored coverage
- Loss of coverage due to a permanent move
- Loss of coverage on Medicaid or another public program
Examples of required documents:
- Letter from your prior health plan company showing proof that your coverage was lost and the reason for termination
- Letter from your employer stating that your coverage was lost and the reason for termination
- COBRA letter indicating loss of coverage and reason for termination
- Copy of utility bill at your new permanent address/rental or lease agreement showing prior address and new address
Other qualifying life events:
There are a variety of other qualifying events that may allow you to enroll in coverage during a special enrollment period. These include:
- Being enrolled in a non-calendar-year plan that is ending outside of open enrollment
- Change in your eligibility for tax credits and/or CSRs
- System or human errors by your state or federal health plan
- Late eligibility
For more information, and to see if your specific situation qualifies, contact customer service.
*This is for currently enrolled customers only.