Big changes in your life, known as qualifying life events, can change your health insurance. Here’s what you need to do when something big happens.
Qualifying Life Events are big things that can make you need to update your health insurance. These events include:
When these things happen, you might get a Special Enrollment Period (SEP). This special time lets you update your health insurance even if it’s not the regular sign-up time.
Here’s what to do when you have a life-changing event:
Collect Your Documents: Get any needed papers, like a marriage certificate or a birth certificate.
Contact Your Insurance: Call or visit your insurance company’s website to tell them about your life change. Ask what you need to do.
Check Your Options: During the Special Enrollment Period, look at different health insurance plans. Compare costs and what each plan covers.
Choose or Change Your Plan: Pick a new plan or update your current one. Fill out any forms and send in your documents.
Confirm Your Coverage: Make sure your new insurance is active. Keep track of when your coverage starts and when you need to pay.
Reviewing your insurance after a big life event has several benefits:
Here’s how to compare health insurance plans:
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