In general, you can change your benefits once a year during your company’s Open Enrollment Period. If you experience something big, like getting married or having a baby, there are exceptions to this rule. These big life changes are called Qualifying Life Events (QLEs). If you experience one of these events, you can make changes to your benefits any time of the year..
Below is a general list of events that would qualify a change in coverage:
- Loss of health coverage
- Losing existing health coverage, including job-based, individual, and student plans
- Losing eligibility for Medicare, Medicaid, or CHIP
- Turning 26 and losing coverage through a parent’s plan
- Changes in household
- Getting married or divorced
- Having a baby or adopting a child
- Experiencing a death in the family
- Changes in residence
- A student moving to or from the place they attend school
- A seasonal worker moving to or from the place they both live and work
- Moving to or from a shelter or other transitional housing
- Other examples Qualifying Life Events
- Changes in your income that affect the coverage you qualify for
- Change in employment status (example: part-time to full-time)
- Becoming a member of a federally recognized tribe or gaining status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
- Becoming a U.S. citizen
- Access to other coverage
- Leaving incarceration (jail or prison)
- AmeriCorps members starting or ending their service.
Important to note – You only have 31 days after a Qualifying Life Event to make changes to your benefits. This is known as a Special Enrollment Period.
If you have any questions about changing your benefits, please call us at (833) 726-2123.