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In health care terms, a qualifying life event is a circumstance or occurrence that makes an employee eligible for a special enrollment period. This allows employees to enroll in coverage by a health insurance plan outside of the annual open enrollment period offered by their employer, insurance company, or state or federal government.
As laid out in the Affordable Care Act, qualifying events might include:
This is just a selection of the many qualifying health and life events that may make you eligible for a special enrollment period. The HealthCare.gov website offers a more complete listing. Depending on how you qualify for a special enrollment, you will generally have 60 days before or after the event to apply.
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