In order to make changes to your current enrollment outside of the annual Open Enrollment Period, you must experience a Qualifying Life Event (QLE). A QLE is a change in circumstances that may make you eligible for a Special Enrollment Period, during which you may make changes to your enrollment.
- Loss of minimal essential coverage like job-based coverage or Medicaid;
- Change in household size (e.g. birth of a child, marriage, divorce);
- Change of residence; and
- Change in income that makes you newly eligible/ineligible for financial assistance.
If you are currently enrolled through Pennie and need to report a QLE, log into your Pennie account and click “Edit Application.” Once your application is updated, click “Confirm Event and Shop” to report your QLE and enroll into coverage.
You generally have 60 days to report your QLE and enroll into coverage.