Know the date of the event
Enrollment windows can be limited. Keep records that show when coverage ended or when the qualifying event happened.
Guarding What Matters. Guiding What's Next. Call an Agent Enrolling outside Open Enrollment
A life change may open a Special Enrollment Period.
You do not always have to wait for annual Open Enrollment. Certain events may create a limited time to enroll in or change Marketplace coverage.
Common qualifying changes
Act quickly when your situation changes.
Potential qualifying life events can include losing qualifying health coverage, moving, marriage, divorce, having or adopting a child, and other changes. The Marketplace makes the eligibility decision and may request documentation.
Update your application accurately
Household, income, address, and other coverage information can affect eligibility, available plans, and savings.
Confirm the effective date
Coverage does not start immediately in every case. Review the effective date and first-premium requirements before relying on coverage.
Examples of questions we can help explain
Lost a job? Moved? Added a family member?
We can help you understand the Marketplace process and compare plan details in states where we are licensed. A conversation with Guardiance does not guarantee a Special Enrollment Period or coverage.
Don’t wait on a time-sensitive change.
Review Marketplace options while your enrollment window is open.
Eligibility, documentation, dates, and plan availability vary by person and state.