This is the only exception to the Open Enrollment rule.  If you have a QLE, you have a 60 day SEP to buy new individual health insurance or make changes to your existing plan.  Examples of QLE’s include marriage, divorce, birth of a child, moving to a new state, recent immigration to the US, loss of employer sponsored health insurance, COBRA running out, and more.  Please remember that ALL insurance companies are requiring paper documentation to prove your Qualifying Life

Under the guidelines of the Affordable Care Act (ObamaCare), this is the ONLY time of the year people can buy new individual health insurance or make changes to their existing plan.  Right now, those dates are November 1st through January 31st of every year, but for plans starting January 1st and later.

This is a universal health insurance model in which the federal Medicare program expands to cover everyone, but still allows for the purchase of private insurance to help supplement the coverage.

Line 37 on your 1040 tax form.  This is the income that determines whether or not you’re eligible for a federal subsidy to help pay for your individual health insurance.  In short, it’s your income after expenses but before taxes.  Simple.