If you or someone in your household recently lost or expects to lose qualified health insurance coverage, you may qualify for a tax credit and be eligible to enroll in coverage through Your Health Idaho.

You may qualify for a Special Enrollment Period if you have experienced one of the following Qualifying Life Events in the last 60 days:

  • Loss of employer (or spouse’s employer) coverage
  • Exhaustion of employer-sponsored COBRA or PERSI benefits
  • Loss of a student health plan
  • Dependent turns 26 and ages out of their parent or guardian’s insurance plan
  • Death of the primary subscriber

You may qualify for a Special Enrollment Period if you have experienced the following Qualifying Life Events in the last 90 days:


  • Loss of government coverage such as Medicaid, CHIP, Medicare, Tricare, or Peace Corps coverage


    To report your change, you must provide verification to document your event. Accepted documents include:

    If you lost employer or government-sponsored coverage:

      • Non-editable letter (PDF) from the previous employer (letter must clearly state that employment termination resulted in a loss of coverage and include the insurance coverage end date, carrier, plan name, and name of employee/individual losing coverage)
      • Dated letter of fund exhaustion from PERSI (sent three months prior to exhaustion of funds)
      • COBRA notice of termination of employer contribution to enrollment
      • Employer letter of exhaustion of contribution to COBRA enrollment
      • Proof of SHIP coverage and a letter from the university confirming the loss of coverage due to semester completion, or graduation
      • Termination letter from your health insurance company
      • Termination letter from a government provider (e.g., Medicaid)

    If you turned 26 and aged out of your health insurance coverage:

      • Provide documentation of previous coverage and age.

    If you lost coverage because the primary tax filer in your household is deceased:

    Provide documentation of previous coverage and one of these documents to prove eligibility:

      • Copy of death certificate
      • Signed affidavit
      • Newspaper obituary
      • Mortuary notice

    If your hardship exemption was canceled

      • Provide a copy of the Health and Human Services exemption certification.

    You have 60 days to report your Qualifying Life Event, provide documentation, make changes, or select and enroll in a plan. If you lose government healthcare such as Medicaid or CHIP you have 90 days to complete the process. 

      • If you have or previously had insurance through Your Health Idaho, log in to your account here to edit your application
      • If you are new to Your Health Idaho, create an account here

    If you have questions or would like more information, contact Your Health Idaho at 855-944-3246 or visit the Find Help page to find a local certified agent whose assistance is at no cost.