---
title: What is considered a Qualifying Life Event?
description: According to the IRS, there are 4 types of events that allow you to make changes to your health coverage.
---

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2. [Life Events](https://knowledge.combined-benefits.com/knowledge/life-events?hsLang=en)
3. [Types of Qualified Life Events](https://knowledge.combined-benefits.com/knowledge/life-events?hsLang=en#types-of-qualified-life-events)

# What is considered a Qualifying Life Event?

## According to the IRS, there are 4 types of events that allow you to make changes to your health coverage.

 

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### **A change in your situation like having a baby, getting married, or a spouse losing health coverage can make you eligible for a Special Enrollment, allowing you to enroll in health insurance outside the annual Open Enrollment period.  Here is a list of reasons identified by the IRS that qualify you to make a change.**

#### **Loss of health coverage**

- Losing existing health coverage, including job-based, individual, and student plans
- Losing eligibility for Medicare, Medicaid, or CHIP
- **Turning 26** and losing coverage through a parent’s plan

#### **Changes in household**

- Getting married or divorced
- Having a baby or adopting a child
- Death in the family

#### **Changes in residence**

- Moving to a different ZIP code or county
- A student moving to or from the place they attend school
- A seasonal worker moving to or from the place they both live and work
- Moving to or from a shelter or other transitional housing

#### **Other qualifying events**

- Changes in your income that affect the coverage you qualify for
- Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
- Becoming a U.S. citizen
- Leaving incarceration (jail or prison)
- AmeriCorps members starting or ending their service

#### **For questions related to Change of Life Events, [Email us here](mailto:NetEnroll1@combined-benefits.com) or speak to one of our Client Advocates at 844-760-5570 about your specific issue.**

 

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