Life happens and circumstances can change overnight. These changes can be happy like a new baby or a marriage. Or they can be stressful like the loss of a job, a divorce or a move. Either way, Access Health CT is here to make sure in times of change, you’re covered with health and dental insurance.
The annual Open Enrollment window is usually the only time of the year you can sign up for health or dental insurance or change your plan. Unless you have a big life change.
These changes are called Qualifying Life Events (QLEs). They include:
- Getting married or divorced
- Getting pregnant, having a baby or adopting a child
- Losing your insurance due to a job change or loss
- Losing insurance through your spouse or parent
- Losing your eligibility for HUSKY Health (Medicaid)
- Moving to Connecticut
- A change in your household income
- Becoming a U.S. citizen or gaining eligible immigration status.
NOTE: If you qualify for the Covered CT Program or HUSKY Health (Medicaid or the Children’s Health Insurance Program (CHIP)), or if you are an American Indian or Alaska Native, you can sign up for insurance any time of the year.
Your Qualifying Life Event will open a Special Enrollment Period (SEP). You generally have 60 days to sign up for or change your health or dental insurance.
What to do after a Qualifying Life Event
- Make sure your Event qualifies for a Special Enrollment Period. You’ll also need to provide proof of your Event. This guide includes the full list of life events and what documentation you will need. (opens in a new window).
- Shop for and compare insurance plans.
- Don’t forget to pay your first premium to start your coverage.
What you need to complete your application
You will need to have this information for you or anyone in your household applying for insurance:
- Dates of Birth
- Social Security Numbers
- Visa, Green Card or immigration documents
- Most recent Form W-2, Form 1040 or Form 1099
- Current insurance coverage
- Paystubs, profit & loss statements or other employment information to confirm income for everyone in your tax household
- Proof of your Qualifying Life Event
Access Health CT is here to help
When life happens, insurance may be the last thing on your mind. But we’re here to help calm the chaos and keep you covered. All help is free.
- Visit our Get Help page for a full list of resources.
- Chat with Us: Click the “Live Chat” icon on any page.
- Call us at 1-855-805-4325. Customers who are deaf or have trouble hearing may call us at 1-855-805-4325 with a relay operator or use the TTY at 1-855-789-2428. We speak more than 100 languages.
- Find a Certified Broker near you who can recommend an insurance plan that is right for your needs and budget.
- Make an appointment with an Enrollment Specialist for personalized help.