Special Enrollment: These qualifying events allow you to get coverage

Need to get health insurance but just found out that it’s not Open Enrollment? Open enrollment lasts from November 1st until January 31st and allows individuals who buy their own health insurance to either get insured or switch plans. Anytime outside of November 1st until January 31st, you’ll need to have what’s called a “qualifying event” to be eligible to buy health insurance during a “special enrollment period.”

There are a handful of special circumstances and life events that could qualify you for a Special Enrollment period. This begins 60 days before the trigger event and lasts 60 days after the trigger event date. The most common “qualifying events” include:

  • You or a dependent lose job-based coverage
  • You get married or divorced
  • You have a baby, or adopt
  • You gain US citizenship
  • Your income changes significantly, making you newly eligible (or ineligible) for subsidies
  • You permanently move out of state and gain access to new plans
  • You are or gain status as a Native American Indian
  • Turning 26 and aging off your parent's plan

If you have a baby, adopt a child, or place a child for foster care: Your coverage can start the day of the event – even if you enroll in the plan up to 60 days afterward.

For other qualifying events, plans start on the first of the month following purchase of health insurance.

To purchase health insurance, go through the same process as you normally would on Stride. On the application page, select your “qualifying event.” We’ll email you after your purchase with directions on how to supply your new insurance company with written proof of that event.