There are 4 basic types of qualifying life events. (The following are examples, not a full list.)

Loss of health coverage

  • Losing existing health coverage, including job-based coverage, individual, and student plans
  • Losing eligibility for Medicaid, CHIP, or Medicare
  • 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 within Pennsylvania
  • A permanent move from another state into Pennsylvania
  • 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
  • Gaining a qualifying immigration status
  • Leaving incarceration (jail or prison)
  • AmeriCorps members starting or ending their service

Note: Some QLEs must be verified by Pennie in order to open up a Special Enrollment Period. If one of the above situations applies to you, make sure to have your information handy when you go to apply.