What Is a Qualifying Life Event?

A qualifying life event is a change in your circumstances that may allow you to enroll in or change health insurance outside of the annual Open Enrollment Period. Common examples include losing qualifying health coverage, getting married, having or adopting a child, and certain changes in where you live.

Eligibility depends on your circumstances and the type of health coverage you're applying for.

Many qualifying life events provide a 60-day Special Enrollment Period to enroll in health coverage. However, enrollment deadlines may vary depending on the qualifying event and type of coverage.

It's important to explore your options as soon as possible after experiencing a qualifying life event.

Losing your job may qualify you for a Special Enrollment Period if you also lose qualifying health insurance coverage through your employer. Losing employment alone does not necessarily qualify you if your health coverage remains unchanged.

Moving to a new home may qualify you for a Special Enrollment Period if your move affects the health plans available to you. Not every move qualifies, and additional eligibility requirements may apply.

Yes. Getting married, having a baby, or adopting a child may qualify you for a Special Enrollment Period. Certain eligibility requirements and enrollment deadlines may apply depending on the event.

Depending on your qualifying life event, you may need to provide documentation, such as proof of lost health coverage, a marriage certificate, a birth certificate, or proof of a new address.

New York State of Health can help determine what documentation is required for your situation.

Yes. Eligible New Yorkers can enroll in Medicaid, Child Health Plus, and the Essential Plan throughout the year. A qualifying life event is generally not required to apply for these programs.

Explore available coverage options to find a health insurance plan that meets your needs.