Need Health Insurance? See if you have a Qualifying Event to Enroll

Qualifying Life Events

You may still qualify to purchase health insurance. Individuals may enroll or change a plan
during a Special Enrollment Period due to one of these qualifying life events as it applies to you
or your dependent’s coverage. A completed application must be submitted within 60 days
following a QLE.

  • Loss of access to minimum essential coverage- such as loss of employer coverage or
    COBRA coverage, Medicare eligibility, age (in the case of a child). You are not eligible if
    the loss is due to failure to pay premiums or voluntary loss of coverage. Other means by
    which someone could lose coverage: death, divorce, termination of employment or
    reduction of hours;
  • Employer coverage at Renewal is unaffordable to employee(employee’s cost is more
    than 9.5% of income)
  • Gaining or becoming a dependent- through marriage , birth, adoption, placement for
    adoption, or placement as a foster child
  • Gaining a lawful US citizenship status
  • Gaining or losing eligibility for premium tax credits and cost-sharing reductions (i.e.
    income changes)
  • Individual Insurance policy Renewal
  • Relocation (permanent move to NC or to a new county in NC) resulting in new or
    different QHP selection
  • Enrollment errors of the Marketplace(www.healthcare.gov)
  • Material contract violations by Qualified Health Plans
  • You or your dependent has been released from incarceration
  • Exceptional circumstances- as deemed by Dept. of Health & Human Services (HHS) (On
    Marketplace option and paper application off Marketplace)
  • Members of specific Indian tribes (American Indian and Alaskan Natives) (QLE for ON
    MARKETPLACE ONLY)
    Note – For on-exchange plans ONLY and changes can only be made through the
    Marketplace.
  • May enroll in a QHP one time per month
  • May change from one QHP to another one time per month
  • Removing maternity coverage from an existing individual BCBSNC Grandfathered or
    Transitional plan

Contact Blue Store South Charlotte to Enroll 704-527-4220

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