Quick Answer

A qualifying life event is a major change that affects your coverage and can open a Special Enrollment Period—like losing coverage, moving, marriage, or having a baby.

Key Takeaways

• Loss of coverage is one of the most common QLEs.

• Moves must typically change your available plan options.

• Some QLEs require proof before enrollment is finalized.

What you need to know

Think in categories: coverage changes (lost employer plan), location changes (permanent move), and household changes (marriage/birth/adoption). If you are unsure, start the application—the Marketplace will guide you.

How to enroll (fast steps)

• Identify the event date and your deadline to act.

• Gather proof (termination letter, lease, marriage certificate, etc.).

• Apply and select a plan before the SEP window closes.

FAQs

Does quitting a job count? The key is losing health coverage. If your employer coverage ends, that is usually the QLE.

Does an income change count? Sometimes—especially if it changes eligibility for savings or Medicaid/CHIP.

Do I need documents? Often yes for common QLEs like marriage, moving, or loss of coverage.