Does One of These Describe You?
Certain life events unlock a Special Enrollment Period, a limited window where you can get health coverage outside of Open Enrollment. Plans often start at $0/month.
📘 New to ACA Plans? Read Our Complete Guide →Browse All Qualifying Events
Select the situation that best describes you to see your plans.
Lost My Job
You were laid off, let go, or left a job with benefits.
- Lost or losing coverage within 60 days
- Laid off or terminated
- Quit a job with benefits
- Hours reduced
- COBRA too expensive
Losing employer coverage triggers a 60-day Special Enrollment window.
Turning 26
You're about to, or just did, turn 26.
- Losing parent coverage within 60 days
- Turning 26 soon
- Already 26 & uninsured
You have 60 days from your birthday to enroll before losing parent coverage.
Newly Self-Employed
Just left the corporate world and lost your employer coverage.
- Lost or losing employer coverage within 60 days
- Started freelancing or a business
- Gig / 1099 worker
Losing your previous employer's coverage unlocks a 60-day window.
Just Graduated
You graduated and lost your school's student health plan.
- Lost or losing student coverage within 60 days
- Recent graduate
- No longer a dependent
Graduation triggers a 60-day Special Enrollment Period.
Having a Baby
Pregnant, or just welcomed a new child into the family.
- Expecting
- Recently had a baby
- Adopted a child
- Foster parent
Birth or adoption triggers immediate eligibility for coverage.
Just Got Married
Recently married and need to figure out your joint coverage.
- At least one spouse must have existing coverage
- Married within last 60 days
- Adding spouse to a plan
Marriage is a qualifying life event, you have 60 days to enroll.
Going Through a Divorce
Separating and about to lose your spouse's employer plan.
- Lost or losing spouse's coverage within 60 days
- Divorced or separated
- Removed from plan
Divorce qualifies you for a Special Enrollment Period, act fast.
Just Moved
You relocated to a new county or state.
- New ZIP or county
- New state
- Returned from abroad
Moving to a new coverage area qualifies you to enroll or switch plans.
Retiring Before 65
Leaving your job before Medicare kicks in and losing employer coverage.
- Lost or losing employer coverage within 60 days
- Pre-65 retiree
- Early buyout or separation
Losing employer coverage triggers a 60-day window to bridge the gap.
Lost or Denied Medicaid
Got a letter saying your state coverage is ending, or were denied.
- Lost or losing Medicaid/CHIP within 60 days
- Income above limits
- Termination letter received
You have a 60-day SEP window, many families still qualify for $0/mo.
COBRA Too Expensive?
You got your COBRA paperwork and the price is staggering.
- Lost or losing job coverage within 60 days
- COBRA offered but too expensive
- Comparing ACA alternatives
Compare Marketplace plans starting at $0/mo before locking into COBRA.
Tribal Member
You are a member of a federally recognized tribe.
- Federally recognized tribe
- Year-round enrollment
Tribal members can enroll anytime with unique $0 cost-sharing.
Employer Gave Me an ICHRA
Your boss set up a health reimbursement allowance for you.
- ICHRA offered
- Switching from group plan
- New hire
We help you pick the best plan and maximize your employer's contribution.
FEMA Disaster
A federally declared disaster affected your area.
- FEMA declared area
- Lost coverage in disaster
FEMA declarations unlock extended enrollment windows.
Open Enrollment
You want to sign up for or change your health plan during OEP.
- Anyone eligible
- Nov 1 – Jan 15 window
Open Enrollment, anyone can enroll, no qualifying event needed.
Dental, Vision & Short-Term
You need dental, vision, or temporary health coverage.
- Dental
- Vision
- Short-term health
Available year-round with no waiting period.
Make Us Your Agent
You already have an ACA plan but want better support.
- Already have a plan
- Want better service
- Free to switch
Switch your agent of record, free, and your plan stays the same.
Other Life Change
Something happened that doesn't quite fit the categories above.
- Released from incarceration
- Gained citizenship
- Income change
- Not sure, ask us
Dozens of events can qualify you, let our agents figure it out for free.
Not Sure If You Qualify?
Even if none of those sound exactly like you, you may still be eligible, especially if your income changed, you lost any coverage, or it's Open Enrollment season. Our licensed agents check for free.
Licensed agents available Mon–Fri · No pressure · No obligation