Quick Answer: What Is Considered A Qualifying Event?

Is spouse getting insurance a qualifying event?

Spouse Open Enrollment A spouse going through open enrollment counts as a qualifying life event.

For example, if a spouse chooses to decline coverage through their company’s open enrollment, they can be added as a dependent to the employee’s plan in Zenefits..

What are the special enrollment qualifying events?

You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child. Depending on your Special Enrollment Period type, you may have 60 days before or 60 days following the event to enroll in a plan.

What happens if you miss open enrollment?

Missing the deadline for open enrollment could result in no coverage or no change(s) in coverage. When a staff member fails to submit their enrollment documentation on time for new coverage, they will have to wait until next open enrollment to join your plan(s).

Is spouse changing jobs a qualifying event?

A change in your spouse’s employment is considered a life or career event and gives you the opportunity to make change to the benefits shown below.

Is qualifying for Medicare a qualifying event?

Being eligible to enroll in Medicare does not constitute being “entitled” to Medicare. … Although a loss of coverage occurs when employees voluntarily remove themselves from the health plans, the reason (attaining other coverage, including Medicare) is not considered a qualifying event.

Can I drop my health insurance without a qualifying event?

You can cancel your individual health insurance plan without a qualifying life event at any time. … On the other hand, you cannot cancel an employer-sponsored health policy at any time. If you want to cancel an employer plan outside of the company’s open enrollment, it would require a qualifying life event.

Does moving count as a qualifying event?

For people who meet the prior coverage requirement, a permanent move to a new state will always trigger a special open enrollment period, because each state has its own health plans. But even a move within a state can be a qualifying event, as some states have QHPs that are only offered in certain regions of the state.

Does turning 26 count as a qualifying event?

The Affordable Care Act says 26 is the age at which individuals must be responsible for their own health insurance. Of course lots of birthdays fall outside the Open Enrollment period, which is why that 26th birthday is a qualifying life event.

Is losing coverage a qualifying event?

Involuntary loss of coverage is a qualifying event that triggers a special enrollment period. If you lose your plan, you’ll have a chance to enroll in a new health insurance plan, either on or off the exchange in your state.

Is spouse retirement a qualifying life event?

Retiring Spouse. … Losing your employer group coverage because your spouse is retiring is a qualifying event that opens a special enrollment period when you can choose your own health insurance plan.

What qualifies as a qualifying event?

A change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a Special Enrollment Period, allowing you to enroll in health insurance outside the yearly Open Enrollment Period.

What is a qualifying life event for benefits?

A qualifying life event, as far as health insurance goes, is a change in situation (such as getting married or divorced, a change in residence, or a job loss) which makes a person eligible to enroll in health insurance outside of the yearly Open Enrollment Period.