Life changed. Your coverage can keep up.
Most big life events open a special enrollment window, usually 60 days, when you can get or change coverage outside the annual season. Find your event below and see exactly what to do.
What just happened?
Each guide covers the deadlines, the options, and the mistakes to avoid for that specific event.
Lost a Job
COBRA vs. marketplace, the 60-day clock, and why losing income often unlocks subsidies that beat your old plan's price.
Job loss guide →Going Self-Employed
Leaving W-2 benefits behind on purpose. The coverage timeline to run alongside your business launch.
Going-solo guide →Got Married
Combine plans, stay separate, or start fresh, plus how marriage changes the subsidy math for both of you.
Marriage guide →New Baby
Adding a newborn, the retroactive coverage rule, and the deductible planning nobody mentions at the shower.
New baby guide →Divorce or Separation
Losing coverage through a spouse's plan triggers options, and a deadline. What to line up before and after.
Divorce guide →Turning 26
Aging off a parent's plan is predictable, which makes it the easiest coverage transition to get right.
Turning-26 guide →Moving
A new ZIP code can mean new carriers, new networks, and a new enrollment window, even within the same state.
Moving guide →Approaching 65
The Medicare enrollment windows, how they interact with your current coverage, and the penalties for missing them.
Medicare transition guide →The 60-day rule
Most qualifying events open a special enrollment period of about 60 days. Miss it and you generally wait for the annual open enrollment, potentially months without coverage or stuck in a plan that no longer fits. Whatever your event, start the clock in your head the day it happens, and if you are unsure whether your situation qualifies, a two-minute call settles it.
In the middle of a change right now?
Deadlines matter more than perfect research. Call our team, confirm your window, and sort the details from there.