Life Events
Lost your job, turning 26, getting married, having a baby? Each triggers a Special Enrollment Period.
Lost Your Job? How to Get Health Insurance Now
COBRA can cost $600+/month. A marketplace plan with a subsidy might be half that. How to compare and enroll.
Turning 26: Health Insurance After Your Parents' Plan
You have 60 days to find your own coverage. What to do, what it costs, and how to avoid a gap.
Lost Medicaid? Your Marketplace Options Explained
Millions lost Medicaid during redetermination. If that happened to you, a marketplace plan with subsidies is likely your best option.
Losing Student Health Insurance: Your Options After College
Your student health plan ends when you graduate, drop below full-time, or leave school. You qualify for a 60-day SEP and may get big subsidies as a recent grad.
Getting Married? How It Changes Your Health Insurance
Marriage triggers a Special Enrollment Period and combines your incomes for subsidy purposes. What to know before you merge plans.
Having a Baby? Health Insurance Checklist for New Parents
Birth and adoption trigger a 60-day SEP with retroactive coverage. How to add your baby, what it costs, and what's covered.
Divorce and Health Insurance: How to Get Covered After Losing a Spouse's Plan
Divorce triggers a 60-day SEP. COBRA gives you 36 months (not 18). Lower income often means bigger subsidies. How to compare your options.
Moving to a New State? What Happens to Your Health Insurance
Your plan doesn't cross state lines. You'll need new coverage, possibly a different marketplace, and maybe different Medicaid rules.
COBRA Ending? How to Get Health Insurance Before You Lose Coverage
COBRA exhaustion triggers a 60-day SEP. How to transition to a marketplace plan, what documents you need, and why timing matters.
Income Changed? How It Affects Your Health Insurance Options
Certain income changes can trigger a Special Enrollment Period or change your subsidy. When to report, what qualifies, and how to avoid a tax surprise.
Gained Citizenship or Lawful Presence? Your Health Insurance Options
New citizens, green card holders, refugees, and asylees qualify for a 60-day SEP. How to enroll, what documents you need, and Medicaid waiting period rules.
Death of a Plan Holder: How to Get Health Insurance for Surviving Dependents
Losing a family member who carried your health insurance triggers a 60-day SEP. COBRA, marketplace options, and practical steps during a difficult time.
Health Plan Cancelled or Left Your Area? What to Do Next
If your insurer exits your county or discontinues your plan, you get an SEP. How to find a replacement, avoid auto-assignment pitfalls, and protect your coverage.