What Is A Qualifying Life Event For Health Insurance? 
A qualifying event are situations that allows you to apply for health insurance after Open Enrollment has ended . Your acceptance is virtually guaranteed . As a broker with more than 33 years of health insurance experience , these are the types of situations I handle on a daily basis . A list of the most common examples are listed below : -LRB- I have simplified the list and definitions for you -RRB- Involuntary loss of minimum essential coverage because of a job loss -LRB- voluntarily terminating coverage or policies that are cancelled for non-premium payment are not qualifying events -RRB- Change of family structure -LRB- i.e. marriage , divorce , death , birth of child -RRB- Gaining citizenship or permanent resident status Becoming newly eligible for a premium or cost sharing subsidy -LRB- generally results from mid-year income changes , but there are other examples -RRB- Becoming ineligible for a premium or cost sharing subsidy -LRB- generally results from mid-year income changes -RRB- Change of residential address that results in new health plan options available Did not enroll during the open enrollment period because of a mistake , misrepresentation or inaction of an officer , employee or agent of the Health Insurance Exchange Marketplace . The insurance company substantially violated a material provision of its health insurance contract The individual is a member of an American Indian Tribe -LRB- can enroll or make a plan change one time per month -RRB- The individual can demonstrate to the Health Insurance Marketplace that he/she has other extenuating circumstances that qualify him/her for special enrollment . You may visit my websites for additional specific information including rates . 