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George Beach Insurance Services LLC Blog

Qualifying Life Event (QLE) - Changes in Household

3/5/2019

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Since the 2019 Open Enrollment Period is over, you can now enroll in or change a Health Insurance Marketplace plan only if you have a life event that qualifies you for a Special Enrollment Period.

Changes in household

You may qualify for a Special Enrollment Period if you or anyone in your household in the past 60 days:
-Got married. Pick a plan by the last day of the month and your coverage can start the first day of the next month.
 
-Had a baby, adopted a child, or placed a child for foster care. Your coverage can start the day of the event — even if you enroll in the plan up to 60 days afterward.
 
-Got divorced or legally separated and lost health insurance. Note: Divorce or legal separation without losing coverage doesn’t qualify you for a Special Enrollment Period.
 
-Died. You’ll be eligible for a Special Enrollment Period if someone on your Marketplace plan dies and as a result you’re no longer eligible for your current health plan.

https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/

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2019 Qualifying Life Events (QLE)

2/2/2019

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There are 4 basic types of qualifying life events. One being Changes in household such as getting married.
A change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a Special Enrollment Period, allowing you to enroll in health insurance outside the yearly Open Enrollment Period.
 
There are 4 basic types of qualifying life events. (The following are examples, not a full list.)
 
Loss of health coverage
  • Losing existing health coverage, including job-based, individual, and student plans
  • Losing eligibility for Medicare, Medicaid, or CHIP
  • Turning 26 and losing coverage through a parent’s plan
 
Changes in household
  • Getting married or divorced
  • Having a baby or adopting a child
  • Death in the family
 
Changes in residence
  • Moving to a different ZIP code or county
  • A student moving to or from the place they attend school
  • A seasonal worker moving to or from the place they both live and work
  • Moving to or from a shelter or other transitional housing
 
Other qualifying events
  • Changes in your income that affect the coverage you qualify for
  • Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
  • Becoming a U.S. citizen
  • Leaving incarceration (jail or prison)
  • AmeriCorps members starting or ending their service

​https://www.healthcare.gov/glossary/qualifying-life-event/
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What Is A Qualifying Life Event?

8/9/2017

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​If you didn’t buy your health insurance during Open Enrollment and you’re looking to buy now, you’ve probably been asked the following question, “What is your Qualifying Life Event?”
*Blank stare*
 
A Qualifying Life Event is a change in your situation that allows you to buy health insurance outside of Open Enrollment. Typically Open Enrollment in during the Fall, for a set number of weeks, for coverage to start the following first of January. Your Qualifying Life Event also allows you to make changes to your current coverage.

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Modesto, CA 95355
(209) 353-2330​
Click Here to Email Us
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