A qualifying life event, such as marriage, birth, divorce, or loss of other coverage, opens a special enrollment window to add, drop, or change coverage outside open enrollment. A 60-day deadline and documentation usually apply.
A Special Enrollment Period lets you enroll in or change a Marketplace plan outside Open Enrollment after a qualifying life event, such as losing coverage, marriage, or a new baby. You usually have 60 days.
Divorce usually ends a former spouse’s eligibility under the other’s employer plan. The losing spouse can elect COBRA (or state continuation) for up to 36 months, or use the special enrollment period it triggers to enroll in a marketplace or new employer plan.