Getting married or divorced, having/adopting a child, or a death in the family that impacts coverage .
Losing a job-based plan, COBRA, or aging out of a parent's plan at 26 .
Moving to a new ZIP code, county, or state .
Gaining U.S. citizenship, leaving incarceration, or changes in income that affect subsidy eligibility . Qualifying life event (QLE) - Glossary | HealthCare.gov
Since the standard 2026 Open Enrollment period ( Jan 15, 2026) has already passed , your ability to buy health insurance now depends on whether you have a or meet certain income requirements. 1. Check for a Special Enrollment Period (SEP)