While standard individual health insurance enrollment occurs between November 1 and January 15, life changes happen all year. A Qualifying Life Event (QLE) unlocks a 60-day window to secure health coverage immediately.
Common Qualifying Life Events:
- Loss of Minimum Essential Coverage: Involuntary loss of job-based health benefits, expiration of COBRA, or aging off a parent’s plan at age 26.
- Household Changes: Marriage, divorce, birth of a baby, adoption, or death of a family subscriber.
- Relocation: Moving to a new permanent residence in a different ZIP code or county that offers new health plan choices.
- Income Changes: Changes in income that alter your eligibility for Medicaid or federal ACA tax credits.
If you have experienced any of these events in the last 60 days, contact a licensed broker at Prime Health Global today to activate your coverage immediately.
