Life Events
Explore situations that may qualify you for Special Enrollment Periods (SEPs).
Special Enrollment Period
Most qualifying life events give you 30-60 days to make changes to your health insurance. Don't wait - act quickly to avoid gaps in coverage.
Marriage or Divorce
You may be able to add your spouse to your health insurance or switch to their plan.
30-60 days to enroll
high impact
Having a Baby
Birth or adoption creates new coverage opportunities for your growing family.
30-60 days to enroll
high impact
Job Loss
Losing employer coverage opens new enrollment options and may qualify you for subsidies.
60 days to enroll
high impact
Moving
Relocating may affect your plan availability and network coverage.
60 days to enroll
medium impact
Death in the Family
Death of a policyholder or covered dependent may qualify you for a Special Enrollment Period.
30-60 days to update
high impact
Turning 26
Aging out of a parent's health plan requires you to get your own coverage.
30-60 days to enroll
high impact