Recognize when you (or an employee you manage) has experienced a QLE. Understand the criteria and determine if the situation qualifies.
Depending on the event, you may be eligible to enroll in a new health insurance plan, add dependents, or switch plans.
Marriage, divorce or legal separation
Pregnancy, adoption of a child, or any adding of dependents
Losing coverage due to a death in the family
Losing health insurance for any reason (except not paying premiums)
Losing eligibility (Medicaid, Medicare or a Children's Health Insurance Program)
Turning 26 and losing coverage through a parent's plan
Loss of job-based coverage (quit or fired)
Qualified Life Events (QLE's)
A significant life change that allows an employee to make adjustments to their health insurance, tax filings, and other plans outside of the open enrollment period
When a life event occurs you will have 30 days from the date of the qualifying event to make changes to your health insurance coverage
Your spouse retires, which forces you to lose coverage
Your spouse changes jobs
Be aware of the time constraints. Act promptly within the allowed 30 day window to ensure that you can make the necessary adjustments without complications.
Be prepared to provide documentation to verify the qualifying event. This may include marriage certificates, birth certificates, or proof of loss of coverage
Assess your current coverage and consider if adjustments are needed.
Qualified Life Events
Jessica Garcia
Created on February 24, 2024
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Transcript
Qualified Life Events
Loss of Healthcare Coverage
Other Qualifying Events
Changes in Household
click the titles to learn more!
HOWQLE's Affect Health Insurance
Enrollment Period
Coverage Options
Verification
Navigating QLE's
Explore Options
Identify the Event
Deadline Awareness
Recognize when you (or an employee you manage) has experienced a QLE. Understand the criteria and determine if the situation qualifies.
Depending on the event, you may be eligible to enroll in a new health insurance plan, add dependents, or switch plans.
Qualified Life Events (QLE's)
A significant life change that allows an employee to make adjustments to their health insurance, tax filings, and other plans outside of the open enrollment period
When a life event occurs you will have 30 days from the date of the qualifying event to make changes to your health insurance coverage
Be aware of the time constraints. Act promptly within the allowed 30 day window to ensure that you can make the necessary adjustments without complications.
Be prepared to provide documentation to verify the qualifying event. This may include marriage certificates, birth certificates, or proof of loss of coverage
Assess your current coverage and consider if adjustments are needed.