Qualifying Events

People need to be aware of is, qualifying events.

Stipulations on the Marketplace:

  • Open enrollment is between November 1 and December or January 16.
  • That’s the time you can elect plans, change your plan, etc, etc.
  • But what happens if you lose coverage?
    • So if you lose coverage that qualifies as a Special Enrollment Period, SEP, or a qualifying event.

So what is an actual qualifying event?

  • losing your coverage
  • having a baby
  • moving
  • change of zip code
  • a death
  • you get married
  • you get divorced.

Those are all qualifying events.

Losing your coverage:

  • You have 60 days to enroll in another plan.
  • If you don’t enroll by the end of that current month, you will not have coverage the following month because we can’t backdate it.
  • There’s also some penalty for not having coverage for that one month if you miss the 60-day window.
  • We do have until the last day of the month to get some coverage in place. But you know, you may need time to look over quotes and make a decision, we don’t want to wait too long. As soon as you know, you’re going to lose coverage, let me know.
  • If you lose your job, normally the insurance ends at the end of the month. Just get with me as quickly as possible, hop on my website, and book a time.

The other qualifying events I talked about, there’s a caveat to those.

  • If you have a baby, or you move, yes, it’s a qualifying event but you’re unable to enroll in, insurance unless you had coverage the 60 days prior. A lot of people don’t know that.
  • You can’t just move and then go and get coverage. It doesn’t work that way.
  • It’s really important again, that 60-day rule: you have to have 60 days of coverage before your qualifying event, or losing coverage is a qualifying event, and then we have 60 days to enroll you.

I am here to help. Please feel free to reach out to me.

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(512) 827-8117


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Austin, Texas

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