Qualifying Events

Open Enrollment Guidelines

The Affordable Care Act

New health laws mandate that all individuals have health insurance, either through an individual policy or through their employer or face a potential penalty. However, individuals can only purchase policies during the annual open enrollment of November 1st through January 31st of each year.

You can still sign up for health insurance after the deadline if you meet any of the following qualifying events:

  • change in legal marital status
  • a change in the number of dependants
  • a change in place of residence and the current carrier is not available
  • significant cost or coverage change
  • a change in coverage of a spouse or dependant
  • a COBRA qualifying event
  • legal judgements, decrees and orders
  • entitlement to Medicare or Medicaid


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Have a question or need additional help with enrollment?  Please use the contact form below and we will respond promptly.


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