Life Change Events

Health Insurance and Life Changing Events

Can I enroll in Health Insurance throughout the year (or after Open Enrollment)?

Loss of employer-covered insurance, Medicaid or CHP+
Birth of a baby, adoption of a child or placement of a child for foster care
Change in marital status
Turning 26 and aging off your parent’s plan
Move to a new permanent address in your state
Change of tribal status
Become a U.S. citizen
Leaving incarceration
Change of dependency status of someone on your plan
Death of a covered member of your household
Starting/ending AmeriCorps service
Incorrectly or inappropriately enrolled in a health plan for some reason that is not due to an error or omission on the part of Connect for Health Colorado
Violation of the contract you had with your health insurance carrier
Loss of an exemption to purchase health insurance coverage
Change in affordability of employer-sponsored insurance

Call FIRC for an appointment or sign up online and we can help you enroll in a Marketplace plan or Medicaid
Most qualified Life Change Events allow you up to 60 days to report and enroll in a new plan. FIRC recommends enrolling before your current plan ends so you don’t face a gap in coverage.
If you’re losing your insurance or making a permanent move to the state, you have up to 60 days before or after losing coverage to enroll in a new plan.
If you’re a Native American, you can change you change or enroll at anytime during the year

Call FIRC for assistance in reporting a change in income or if you have a Medicaid or CHP+ account call Summit County Health & Human Services 970-668-9717 or visit colorado.gov/peak
With a significant enough income change, you may be eligible to choose a different plan
With a significant drop in income, you may be eligible for Medicaid or your children may qualify for CHP+