I’m confused about changing my health insurance coverage. I recently finalized my divorce and my COBRA is ending soon, but it won’t be open enrollment period in my state yet. Can you help me figure this out?

Jana C.

Hi Jana,

Excellent question! A lot of people are looking for new health insurance these days (whether it is an ACA plan, short-term coverage or a medicare supplement), but not all are sure if they are going to be able to get it before open enrollment period season begins. Looks like you will! Let us explain. A “Special Enrollment Period” (or “SEP”) is triggered by certain qualifying life events. And here they are…

  • Loss of health coverage (job-based or otherwise)
  • Changes in household (marriage, divorce, birth, adoption or death in the family)
  • Changes in residence
  • Other qualifying events (changes in income, citizenship, leaving incarceration and others)

For a full list, check out the healthcare.gov site. 

Looks like you should be good to go, but for specific questions we recommend talking with experienced professionals to ensure you get coverage that will serve your goals and circumstances.

All the best,

Team Amava

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