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Toyer Insurance Group, LLC
Information on what is considered a qualifying event for health insurance:
The birth, placement for adoption or adoption of the applicant for whom coverage is sought; for Qualified Health Plans (QHPs), also applies to children placed in foster care, legal wards, guardianship or medical support orders.
The loss of eligibility for Medicaid or a public program providing health benefits.
A permanent change in residence, work, or living situation, where the prior health plan does not provide coverage in that person’s new service area.
The loss of coverage as the result of dissolution of marriage or termination of a domestic partnership.
Marriage or entering into a domestic partnership, including eligibility as a dependent
Loss of minimum essential benefits, including loss of employer sponsored insurance coverage; except for voluntary termination of health coverage, misrepresentation or fraud.
Loss of coverage purchased on the Exchange, due to an error by the Exchange, the health plan, or Health and Human Services (HHS).
If coverage is discontinued in a qualified health plan by the health benefit exchange pursuant to 45 C.F.R. 155.430 and the three month grace period for continuation of coverage has expired.
Loss of COBRA coverage due to failure of the employer to remit premium
The COBRA coverage period ends (usually after 18 months) or the individual has exceeded the lifetime limit in the plan and no other COBRA coverage is available
Note: Voluntary termination of COBRA is not a qualifying event. If you terminate or stop paying for your COBRA, you must wait for the next Open Enrollment Period to apply..
A situation in which a plan no longer offers benefits to the class of similarly situated individuals that includes the applicant
Loss of coverage as a dependent on a group plan due to age.
If the person discontinues coverage under the Washington State Health Insurance Pool (WSHIP).