Changing Your Coverage
In general, you may not change your health care benefits except during the annual Open Enrollment period. However, you may be able to change your coverage if you:
  • Declined coverage because you had other coverage available, and you then lose that other coverage, or
  • Experience a qualifying change-in-status event, such as getting married or divorced, having or adopting a child, or moving to an area where your chosen plan is not available.
Because change-in-status events affect more benefits than just your health care benefits, they are described under "Change-in-Status Events" in the What If… section.
If you declined coverage and lose your other coverage, the rules that may allow you to enroll are described under "HIPAA Special Enrollment Periods."