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Life ChangesWhen life changes, your coverage should keep up.

Major life events often unlock a special enrollment window. Tap any topic to see what to do.

Got Married
A 60-day window opens to add your spouse or switch plans together.
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    Reach out within 60 days of the marriage date The window is tight. Sooner is better.
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    Bring the basics Marriage date, spouse's date of birth, their current coverage, and your combined income.
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    We'll compare options together Adding a spouse to your existing plan isn't always the best move — we'll look at both sides.

Congratulations. Let's get your coverage updated.

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Had a Baby (or Adopted)
A 60-day window opens to add a new child to your plan.
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    Get me the details at your earliest convenience Full name, date of birth, and Social Security number when available. For adoption, the placement date works.
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    This is also a good moment to review the plan A new dependent changes the math. We can switch plans during this window if a different one fits better.

Congratulations on the new addition.

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Changed Jobs or Lost Employer Coverage
A 60-day window opens when employer coverage ends — for you, your spouse, or anyone on your household's plan.
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    Reach out as soon as you know The sooner we talk, the cleaner the transition — no gap in coverage.
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    Don't default to COBRA without comparing It's usually expensive. Other options are often significantly cheaper for similar coverage.
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    Bring the expected new income This determines what options and subsidies the affected family member qualifies for.

The 60-day window is real — don't wait.

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Moved (or Moving) to a New State
Some plans are state-specific. Your current coverage may or may not work in the new state — always check with me first.
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    Let me know your move date and new address I'll confirm whether your current plan moves with you or needs to be changed.
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    Premium may change Even when a plan moves with you, the premium can adjust based on your new state's rates. Worth knowing before the next billing cycle hits.
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    Worth a quick check-in either way A move is a natural time to reassess — your situation may have changed enough to warrant a different plan.

If I'm not licensed where you're going, I'll help you find an honest agent who is.

Schedule a Call
Big Income Change
For marketplace plans, your subsidy is tied to income. Update it when income shifts.
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    Update your projected income on Healthcare.gov This is how subsidies are calculated. Update it when changes are significant (10%+).
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    Income drops can open better options A lower income may qualify you for additional cost-sharing reductions. Worth checking.
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    Increases need updating too Otherwise you could owe back at tax time.

Easy to forget — but tax season makes it expensive when it's missed.

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Turning 26 (Aging Off a Parent's Plan)
Coverage usually ends at the end of the birthday month. Don't wait until then.
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    Start looking 30-60 days before the birthday This avoids any gap. We'll line up a new plan to start the day after the old one ends.
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    Bring your income estimate Young, lower-income enrollees often qualify for substantial marketplace subsidies — sometimes premium-free coverage.

Don't wait until your birthday — start a month or two ahead.

Schedule a Call