Life is unpredictable. One moment everything feels steady, and the next, everything changes. Marriage, divorce, having a baby, moving, changing jobs, or even retiring can quickly shift your health insurance needs. That’s why understanding life events and health insurance is essential for protecting both your health and finances. When a major change happens, your existing coverage may no longer fit your situation. In fact, failing to update your health plan can leave you uninsured, underinsured, or paying more than you should. Thankfully, most major life changes qualify you for a Special Enrollment Period (SEP), which allows you to enroll in or adjust your health insurance outside the usual open enrollment window. In this complete guide, you’ll learn exactly what to do when life events and health insurance intersect. We’ll walk through the most common qualifying life events, explain your options, and share practical steps to ensure continuous, affordable coverage. By the end, you’ll feel confident navigating any change life throws your way.










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