› F or an application made between the 16th and the last day of the month, the effective date of coverage will be the first day of the second following month. Please note: In the case of birth, adoption or placement for adoption or placement in foster care, coverage is effective on the date of birth, adoption, placement for adoption or placement in foster care. In the case of marriage or in the case where an individual loses minimum essential coverage, coverage is effective on the first day of the following month. Qualifying (Triggering) Life Events › An in dividual and any dependents losing minimum essential health coverage › L oss of employer-sponsored health plan coverage due to termination, reduction in work hours, divorce, separation, Medicare entitlement, death or loss of dependent child status › An individual gaining or bec oming a dependent through marriage, birth, adoption, foster care placement or court order › An eligible dependent spouse or child loses coverage under an employer-sponsored health plan due to divorce, legal separation from his or her spouse or parent, his or her spouse or parent becoming entitled to Medicare, or death of his or her spouse or parent › An eligible in dividual loses his or her dependent child status under a parent’s employer-sponsored health plan › An eligible individual w as denied Medicaid or Children’s Health Insurance Plan (CHIP) coverage outside Open Enrollment after they applied during it › An individual who w as not previously a citizen, national or lawfully present individual gains such status (only applicable for plans sold on the Health Insurance Marketplace) › An individual e xperiencing an error in enrollment › An individual adequa tely demonstrating that the plan or issuer substantially violated a material provision of the contract in which he or she is enrolled › An individual bec oming newly eligible or newly ineligible for advance payments of the premium tax credit or experiencing a change in eligibility for cost-sharing reductions › An eligible individual mo ves to a new address and had prior coverage for at least one day in the 60 days before their move › Ne w coverage becoming available to an individual or enrollee as a result of a permanent move › An Indian, as defined b y section 4 of the Indian Health Care Improvement Act, may enroll in a qualified health plan or change from one qualified health plan to another one time per month (only applicable to the Marketplace) › An eligible individual or enr ollee demonstrates to the Exchange, in accordance with guidelines issued by the U.S. Department of Health and Human Services (HHS), that he or she meets other exceptional circumstances as the Exchange may provide (only applicable to the Marketplace) › An eligible individual ne wly gains access to an employer’s offer to help with the cost of coverage through either an individual coverage HRA or a QSEHRA › An individual bec omes eligible due to release from incarceration or other extenuating life events, including, but not limited to, domestic abuse, natural disasters, etc. MEDICAL PLANS CONTINUED Qualifying Life Events on the Colorado Health Insurance Marketplace can be found at connectforhealthco.com/get-started/ when-can-i-buy-insurance/ IMPORTANT: Customers may have to verify their information At the time of application, customers must attest that the information provided on the application is true, including the facts that qualify for a Special Enrollment Period. Customers may be required to provide documents that prove eligibility to enroll based on the life-event experience. Most people who qualify for a Special Enrollment Period and want to change plans may have a limited number of plan “metal” categories to choose from (instead of all four) during their Special Enrollment Period.