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	<title>New answer on: What Is A Qualifying Life Event For Health Insurance?</title>

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		<title>By: Edward Harris</title>

		<link>https://insurancelibrary.com/health-insurance/what-is-a-qualifying-life-event-for-health-insurance</link>

		<dc:creator>Edward Harris</dc:creator>

		<pubDate>Thu, 15 May 2014 11:38:56 +0000</pubDate>

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		<description><![CDATA[A qualifying event are situations that allows you to apply for health insurance after Open Enrollment has ended. Your acceptance is virtually guaranteed. As a broker with more than 33 years of health insurance experience, these are the types of situations I handle on a daily basis.

A list of the most common examples are listed below: (I have simplified the list and definitions for you)



Involuntary loss of minimum essential coverage because of a job loss&#160;&#160;(voluntarily terminating coverage or policies that are cancelled for non-premium payment are not qualifying events)
Change of family structure&#160;(i.e. marriage, divorce, death, birth of child)
Gaining citizenship or permanent resident status
Becoming newly eligible for a premium or cost sharing subsidy&#160;(generally results from mid-year income changes, but there are other examples)
Becoming ineligible for a premium or cost sharing subsidy&#160;(generally results from mid-year income changes)
Change of residential address that results in new health plan options available
Did not enroll during the open enrollment period because of a mistake, misrepresentation or inaction of an officer, employee or agent of the Health Insurance Exchange Marketplace.&#160;
The insurance company substantially violated a material provision of its health insurance contract
The individual is a member of an American Indian Tribe&#160;(can enroll or make a plan change one time per month)
The individual can demonstrate to the Health Insurance Marketplace that he/she has other extenuating circumstances that qualify him/her for special enrollment.

You may visit my websites for additional specific information including rates.
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		<title>By: Jason Goldenzweig</title>

		<link>https://insurancelibrary.com/health-insurance/what-is-a-qualifying-life-event-for-health-insurance</link>

		<dc:creator>Jason Goldenzweig</dc:creator>

		<pubDate>Thu, 08 May 2014 16:48:45 +0000</pubDate>

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		<description><![CDATA[You can only apply for health insurance outside of the annual enrollment period if you qualify for a special enrollment period (SEP). This goes for health plans both on and off the health insurance exchanges.

To qualify for a special enrollment period, you must have a &quot;life-changing event.&quot;&#160;Qualifying events include:

1) Getting married
2) Having a child
3) Adopting a child
4) Fostering a child
5) Moving out of your current coverage&#039;s service area
6) Losing your existing health insurance under certain conditions including:
7) Loss of group coverage through your employer
8) Your COBRA coverage expired
9) You get divorced
10) You come off your parent&#039;s group coverage
11) Your plan was terminated by the carrier
12) You lose your Medicaid eligibility, CHIP eligibility, or similar situation
13) Becoming a U.S. citizen
14) Leaving incarceration
15) Becoming a member of an indian tribe: those in a federally recognized tribe can apply for new coverage/make changes to their existing coverage once a month throughout the year

Please note, voluntarily terminating your existing coverage or your coverage was terminated by the carrier because you didn&#039;t pay your premiums are NOT considered qualifying events for a special enrollment period.

Please let me know if I can be of further assistance. Thanks very much.]]></description>

		

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