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Although the deadline has passed for individuals to sign up for health insurance in Open Enrollment, you can still get affordable health insurance if you have had a Qualifying Life Event or you can signup for Short Term Health Insurance.

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A Qualifying Life Event is a change in your life that would make you eligible for a Special Enrollment Period in which you can enroll in health coverage.

Examples of a Qualifying Life Event are:

  • A Change in Marital Status
  • Birth or Adoption of a Child
  • Loss of Healthcare Coverage
  • Job Loss
  • and More


Have you had a qualifying event? Let us help you find affordable healthcare coverage for you and/or your family at no cost to you! If you are unsure of whether you have had a qualifying event please contact us so we can assist you. Our service is FREE!

List of Qualifying Events
1. Change in legal marital status, including marriage, death of a spouse, divorce, legal separation and annulment.
2. A change in the number of dependents, including birth, death, adoption, and placement for adoption.
3. A change in employment status of the employee, or the employee’s or retiree’s spouse or dependent, including termination or commencement of employment, a strike or lockout, a commencement of or return from an unpaid leave of absence, a change in worksite, and a change in working conditions (including changing between part‐time and full‐time or hourly and salary) of the employee, the employee’s or retiree’s spouse or dependent which results in a change in benefits they receive under a cafeteria plan or health or dental plan.*
4. A dependent ceasing to satisfy eligibility requirements for coverage due to attainment of age, student status, marital status, or other similar circumstances.*
5. A change in place of residence of the employee, retiree or their spouse or dependent and the current carrier is not available.
6. Significant cost or coverage changes (including coverage curtailment and the addition of a benefit package).
7. Family Medical Leave Act (FMLA) leave.
8. Judgments, decrees or orders.
9. A change in coverage of a spouse or dependent under another employer’s plan.
10. Open enrollment under the plan of another employer.
11. Health Insurance Portability and Accountability Act (HIPPA) special enrollment rights for new dependents and in the case of loss of other insurance coverage.
12. A COBRA‐qualifying event.
13. Loss of coverage under the group health plan of a governmental or educational institution (a state’s children’s health insurance program, medical care program of an Indian tribal government, state health benefits risk pool, or foreign government group health plan).
14. Entitlement to Medicare or Medicaid.
15. Any other situations in which the group health or dental plan is required by the applicable federal or state law to allow a change in coverage.
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