In the context of health insurance, qualifying events are certain life events that meet criteria established by the IRS and now, also Health and Human Services, that would allow an individual to enroll in individual health insurance outside of the normal annual open enrollment period established under the Affordable Care Act (ObamaCare). Common examples of qualifying events are;
1) Loss of health insurance coverage through your employer
2) Expiration of your health insurance coverage through a former employer under the Federal COBRA regulations or state continuation of coverage provisions
3) Loss of coverage under a government sponsored plan, including Medicaid or CHIP
4) Loss of Minimum Essential Coverage (e.g. - state high risk pool, student health plan)
5) Birth or adoption of a child or establishing foster care or legal guardianship of a child
6) Marriage
7) No longer an eligible dependent (e.g. - child turning age 26)
8) Divorce from a policyholder
9) Termination of a pre-Affordable Care Act individual plan during 2014
10) Moving to a new area that offers different plan options or outside of an HMO service area
11) Employer bankruptcy resulting in loss of coverage for retirees
12) Return from active military service
13) Release from incarceration
14) Unintentional error or enrollment/disenrollment in a health insurance marketplace plan is unintentional or erroneous
15) Newly eligible/ineligible for exchange subsidies or premium tax credit or cost-sharing reductions
16) A material violation committed by the health plan
You should operate under the assumption that you have 60-days after such a "Qualifying Life Event" to complete your application for new health insurance coverage.
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1) Loss of health insurance coverage through your employer
2) Expiration of your health insurance coverage through a former employer under the Federal COBRA regulations or state continuation of coverage provisions
3) Loss of coverage under a government sponsored plan, including Medicaid or CHIP
4) Loss of Minimum Essential Coverage (e.g. - state high risk pool, student health plan)
5) Birth or adoption of a child or establishing foster care or legal guardianship of a child
6) Marriage
7) No longer an eligible dependent (e.g. - child turning age 26)
8) Divorce from a policyholder
9) Termination of a pre-Affordable Care Act individual plan during 2014
10) Moving to a new area that offers different plan options or outside of an HMO service area
11) Employer bankruptcy resulting in loss of coverage for retirees
12) Return from active military service
13) Release from incarceration
14) Unintentional error or enrollment/disenrollment in a health insurance marketplace plan is unintentional or erroneous
15) Newly eligible/ineligible for exchange subsidies or premium tax credit or cost-sharing reductions
16) A material violation committed by the health plan
You should operate under the assumption that you have 60-days after such a "Qualifying Life Event" to complete your application for new health insurance coverage.