Navigating a Qualifying Life Event (QLE) can be confusing, especially when it comes to knowing what documentation is needed to verify your situation. This guide outlines the most common QLE types, what documents are required for each, and any state-specific nuances you should be aware of. Whether you’ve moved, lost coverage, or experienced a major life change, we’re here to help you submit the right information and keep your coverage on track.
What is a qualifying life event for health insurance?
A qualifying life event is a life-changing situation — sometimes planned, sometimes unexpected — that can impact you and your health insurance. Experiencing a significant life change may allow you to change your health plan outside of the annual enrollment period (also called open enrollment).
Qualifying life events include (but are not necessarily limited to):
- Getting married
- Getting divorced
- Having or adopting a child
- The death of someone who shares your health plan
- Moving to a new area
- Loss of health insurance
- Experiencing a shift in employment status
- Turning 26 years old
- Turning 65 years old
- Earning U.S. citizenship
If you experience a Qualifying Life Event (QLE), you may be eligible for a Special Enrollment Period (SEP), which allows you to enroll in a health plan outside of the standard Open Enrollment window. Take Command clients that have a QLE can report their life event and shop for a new plan on the Take Command platform.
Read more about types of qualifying life events here.
What kind of documents do I need for a qualifying life event?
When you experience a qualifying life event, you will likely be asked to submit documentation to confirm the event. The type of documentation you need depends on the type of qualifying life event and can differ by state. Here is a list of common documents you will likely need for various qualifying life events.
State-Specific Requirements
Some states have unique state-specific requirements for QLE documents.
California
Proof of residency (e.g., lease or utility bill) may also be required for address changes.
Colorado
A divorce decree must include specific language regarding health coverage.
Frequently Asked Questions
