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While January 31 was the last day to enroll or adjust health care plans for Americans seeking coverage in 2016, qualifying life events may allow changes or additional coverage before the next open enrollment period.
These qualifying life events are typically major life milestones that affect coverage and it’s important for consumers to be educated on which milestones affect their coverage to ensure proper plans are in place.
Some qualifying life events that could trigger special enrollment periods for individuals include:Marriage or divorce
Birth, adoption or legal guardianship of a child
Turning 26 years old: Young adults can stay insured through their parents’ health policies until they age out at 26 and need to seek new coverage.
Change in residence or citizenship status: Relocating to another state or becoming a citizen of the United States will affect coverage.
Losing coverage: Individuals can enroll for new coverage if they lose their existing policies due to job loss, divorce or loss of eligibility for Medicaid, etc.

Individuals typically have 60 days before, and 60 days after the event to enroll or make changes to their current policy. Proof of eligibility maybe required to ensure individuals are qualified for coverage.
Still confused? Seek the help of an expert to see how any life events could impact insurance coverage. Employers or trusted insurance agents or brokers can help determine eligibility, identify what documents need to be presented for proof of eligibility and when individuals need to enroll. Visit Wellmark.com/Plans/Individual/SEP.aspx to find out what life events qualify for special enrollment.


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