Can You Get Health Insurance Now?

Life Happens. But what is a “qualifying life event” when it comes to health insurance?

Do You Qualify For the Special Enrollment Period?

In most cases, you can only sign up for a health insurance plan during the open enrollment period.  But if you’ve had a major life change lately, such as losing a job, you may qualify for the Special Enrollment Period.  

Qualifying Life Events take in:

• Losing a job
• Change of earnings or household type
• Moving outside of your current network
• Getting married
• Having a baby or adopting a child
• Becoming a U.S. citizen
• Proving that your health insurance company violated its contract with you
• Losing coverage on a family member's policy because you turned 26
• Separating from or divorcing a spouse or the policy holder has passed away
• If you are a member of an American Indian and Alaska Native tribe

Don't Wait

If you missed the last open enrollment period and don’t qualify for the Special Enrollment Period, you may still have options. You have only 60 days after the qualifying life event to get a health plan during special enrollment. If you’re losing insurance through your job, then it’s only 30 days for COBRA. 

You can call us at 888-809-1136 or visit your local agent to learn more about your options.

Originally published August 17, 2015; Revised 2018, 2020