What is an ACA Qualifying Event and How Can You Get Proof of One?
When your job ends, you may lose your health insurance. If this happens, you may be able to qualify for an ACA health plan. However, you need to provide proof of a qualifying event that caused you to lose your health insurance in order to enroll in an ACA plan.
What is a Qualifying Event?
A qualifying event is a life event that causes you to lose your health insurance. Qualifying events include:
Losing your job
Getting married or divorced
Having a baby or adopting a child
Moving to a new state
Getting a new job that has different health insurance coverage
How to Get Proof of a Qualifying Event
The best way to get proof of a qualifying event is to contact your employer. Your employer should be able to provide you with a letter stating that you lost your health insurance due to a qualifying event. If your employer is unable to provide you with a letter, you can contact the insurance company that provided your health insurance. The insurance company should be able to provide you with a Certificate of Creditable Coverage (COCC). A COCC is a document that states that you had health insurance coverage and that you lost your coverage due to a qualifying event.
What if I Can’t Get Proof of a Qualifying Event?
If you are unable to get proof of a qualifying event, you may still be able to enroll in an ACA health plan. However, you will need to provide additional documentation to the insurance company. This documentation may include:
A letter from your employer stating that you lost your job
A copy of your marriage or divorce certificate
A birth certificate or adoption papers
A utility bill or lease agreement for your new address
A pay stub from your new job
Need Help finding an ACA Plan that’s Right for You?
If you are looking for an ACA health plan, we can help. Our licensed agents can help you find a plan that meets your needs and budget. We can also help you enroll in a plan and answer any questions you may have.
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