Certain life events are considered Qualifying Life Events (QLEs), allowing employees to make changes to their employer-sponsored plan coverage. Individual health insurance carriers follow similar guidelines for QLEs, which enable individuals to sign up for a new health plan outside of the Open Enrollment period or make changes to an existing plan.
Common Qualifying Life Events:
Getting married.
Having a baby, adopting a child, or placing a child for adoption or foster care.
Losing other health coverage (e.g., employer-sponsored insurance).
Moving to a new home in a different zip code or county.
Changes in household size or income.
Turning 26 and aging out of a parent's plan.
For a full list of QLEs, refer to this link.