Qualifying Life Event
Insurance Glossary
A change in circumstances that opens a special enrollment period, letting a person buy or change health coverage outside the annual open enrollment window. Common examples include losing other coverage, marriage or divorce, the birth or adoption of a child, a permanent move to a new coverage area, and an income change that affects subsidy eligibility. The window to act is limited, commonly 60 days for Marketplace coverage and at least 30 days for employer plans, and documentation of the event is often required.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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