Qualifying life event: Family

Families are always changing - at every stage of life. Some of those changes are planned, some aren’t. But whether happy or not, many of the big moments count as qualifying life events when it comes to health insurance enrollment. These events may open the door for you to make changes to your coverage outside of the regular open enrollment period.

Here’s a list of family changes that are considered exceptions:

  • Getting married.When you’re starting your new life as a couple, take a look at your medical picture, your budget, and your plans for creating a family and choose a health plan that’s the right match for you.
  • Bringing children into the family. Growing your family by having a baby, adoption or foster care means it’s time to take a closer look and make sure everyone’s medical needs are met by your health plan.
  • Divorce. As you navigate the details of a divorce, your health plan is an important factor to consider and change as you need - both for you and any family members that need coverage.
  • Losing a loved one. Coping with the death of a loved one is emotionally difficult and often brings life changes which can mean a change in how you manage your health insurance coverage.

Timing is everything

Remember that the window of time for making changes to your health benefit plan is only open for a short period of time – usually either 30 or 60 days after the qualifying life event happens. Get started with making changes right away so you’ll be able to take advantage and get the coverage you want and need. For more information, check your plan documents or contact your employer.

If you’ve had a qualifying life event, please call the phone number on your ID card.

What to do next

When you start looking at health plans, it can seem confusing. Learn more about how to choose the right plan for you.

If you’re looking for ACA plans from the Health Insurance Marketplace or have questions, call 800-980-5213.

Short term health insurance

In times of change, find short term solutions that help you bridge the gap.


No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.

Short Term Medical plans are medically underwritten and do not provide coverage for preexisting conditions or meet the mandated coverage necessary to avoid tax penalty under the Affordable Care Act (ACA). Expiration or termination of a Short Term Medical℠ plan does not trigger an ACA Special Enrollment opportunity.

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Each company is a separate entity and is not responsible for another's financial or contractual obligations.

Administrative services are provided by United HealthCare Services, Inc.

Products and services offered are underwritten by All Savers Insurance Company, Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Plans (NJ), Inc., UnitedHealthcare Benefits Plan of California, UnitedHealthcare Community Plan, Inc., UnitedHealthcare Insurance Company, UnitedHealthcare Life Insurance Company, UnitedHealthcare of Colorado, Inc., UnitedHealthcare of Alabama, Inc., UnitedHealthcare of Arkansas, Inc., UnitedHealthcare of Florida, Inc., UnitedHealthcare of Georgia, Inc., UnitedHealthcare of Kentucky, LTD., UnitedHealthcare of Louisiana, Inc., UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of the Midlands, Inc., UnitedHealthcare of the Midwest, UnitedHealthcare of Mississippi, Inc., UnitedHealthcare of New England, Inc., UnitedHealthcare of New York, Inc., UnitedHealthcare of North Carolina, Inc., UnitedHealthcare of Ohio, Inc., UnitedHealthcare of Oklahoma, Inc., UnitedHealthcare of Pennsylvania, Inc. and UnitedHealthcare of Washington, Inc.