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Qualifying Life Events

Employees can make choices about and changes to their health care coverage during the employer's annual open enrollment period. However, there are valid life event reasons that allow for employees to enroll and make changes to their coverage outside of open enrollment. Those reasons include:

  • New hire
  • Adoption
  • Birth
  • Death of employee or employee dependent
  • Marriage
  • Retirement
  • Loss of group plan coverage (employee loses coverage in a group plan from any other employer)
  • Dependent no longer eligible
  • Employee resignation or termination
  • Changes to employment status, such as employment status changes from full-time to part-time
  • Divorce or legal separation
  • Medicare-eligible (employee enrolled in an employer-sponsored program becomes eligible for Medicare Part A and Part B and wants to stay in the employer-sponsored program)
  • Medical Assistance/MinnesotaCare-eligible
  • Employee wants to drop their group coverage (employee has decided to drop the coverage they elected even though they are outside an open enrollment period). They will not be able to re-enroll until the next open enrollment period or another approved life event occurs.
  • Loss of dependent child status (aging out)
  • Qualified Medical Child Support Order (employee is the subject of a court-ordered medical child support directive)
  • Newly disabled employee dependent (not already covered) (an employee dependent that is not currently covered becomes disabled and/or financially dependent on the employee)
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