Special Enrollment
Had a recent life change? You may qualify to enroll outside of Open Enrollment.
- Eligibility
- 60 or 90 Day Window
- Expert Help
Depending on the event, you have 60 or 90 days after a Qualifying Life Event to enroll or make changes to your coverage.
9 Qualifying Life Events Click on the icon to view all
Qualifying Life Events
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Job loss, turned 26
Lost or losing Medicaid?
Move to or within Idaho
New household member
Change in household
For you, your spouse, or dependents
Enroll year-round
Not Sure Where to Start?
Talk to a certified agent who can help you through the application process at no cost.
Loss Of Coverage
Loss of Coverage
If you or someone in your household has recently lost or expects to lose health insurance coverage, you may qualify for a tax credit and be eligible to enroll in coverage through Your Health Idaho.
Follow These Four Steps
Life Event Occurs
60-Day Window Opens
Enroll or Make Changes
Coverage Starts
What Qualifies as a Loss of Coverage Event
- Loss of employer coverage (or spouse's employer coverage)
- Loss of federal program coverage from Medicaid or Children’s Health Insurance Program (CHIP) . These two events have a 90-day window
- Loss of federal program coverage such as Tricare, or Peace Corps coverage
- Exhaustion of employer-sponsored COBRA or PERSI benefits
- Loss of a Student Health Insurance Plan
- Loss of parents' or guardians' coverage when turning 26
- Death of the primary subscriber
- Cancellation of Hardship Exemption
- Expiration of an enhanced short term plan
Verification Documents
Loss of employer coverage, federal program coverage, or enhanced short term plans:
A letter from the previous employer clearly stating a change of employment status resulted in a loss of coverage. It must include the insurance coverage end date and the name of the employee/individual losing coverage
Termination letter from your health insurance company
Termination letter from a government provider (e.g., Medicaid)
Dated letter of fund exhaustion from PERSI (This would typically be provided to you three months before funds are exhausted)
COBRA notice of termination of employer contribution to enrollment, OR Employer letter of exhaustion of contribution to COBRA enrollment
Proof of Student Health Insurance Plan coverage and a letter from the college or university confirming the loss of coverage due to semester completion or graduation
Aged out of your health insurance coverage at 26:
Provide documentation of previous coverage and proof of age
Death of the primary subscriber:
Provide documentation of previous coverage and one of the following: a copy of the death certificate, signed affidavit, newspaper obituary, or mortuary notice
If your hardship exemption was canceled:
Provide a copy of the Health and Human Services exemption certification
Ready to enroll?
Start your application now by creating an account.