Qualifying Life Events and Special Enrollment

If you have a significant life event, you may still be able to get or change health coverage from Blue Cross Blue Shield of Michigan through special enrollment.

Ready to enroll?

If you've had a qualifying life event, you may be able to sign up for health coverage.

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Are you eligible for a subsidy?

It depends on your family size, household income, and health insurance costs where you live. Learn more on our subsidy page.

CHECK IF YOU QUALIFY

Eligible events

  • You quit, were fired or laid off from your job
  • Your employer stopped offering benefits
  • Your hours were reduced, causing loss of coverage
  • Your COBRA benefits expired
  • You're eligible for early retirement

 

Application deadlines

You can apply up to 60 days before your coverage ends, and up to 60 days after it ends. You'll want to apply as soon as possible to ensure that there won't be a gap in your coverage.

Required documentation

Identification

A Social Security number or tax ID number, and the date of birth for everyone who'll be covered by the plan

Method of payment

A credit card if you want to make your first payment

Proof of change in coverage

You'll need one of the following:

  • A letter from your employer with the date your coverage ended and why
  • A letter from your other health insurance company showing your coverage termination date
  • Proof of your prior qualifying health coverage within the last 60 days
  • Written verification from an agent or another health insurance company showing that your plan was canceled
  • Current and previous pay stubs showing the reduction in work hours that caused your loss of coverage
  • A letter from your COBRA administrator with the date your coverage ended and why

Eligible events

  • You quit, were fired or laid off from your job
  • Your employer stopped offering benefits
  • Your hours were reduced, causing loss of coverage
  • Your COBRA benefits expired
  • You're eligible for early retirement

 

Application deadlines

You can apply up to 60 days before your coverage ends, and up to 60 days after it ends. You'll want to apply as soon as possible to ensure that there won't be a gap in your coverage.

Required documentation

Identification

A Social Security number or tax ID number, and the date of birth for everyone who'll be covered by the plan

Method of payment

A credit card if you want to make your first payment

Proof of change in coverage

You'll need one of the following:

  • A letter from your employer with the date your coverage ended and why
  • A letter from your other health insurance company showing your coverage termination date
  • Proof of your prior qualifying health coverage within the last 60 days
  • Written verification from an agent or another health insurance company showing that your plan was canceled
  • Current and previous pay stubs showing the reduction in work hours that caused your loss of coverage
  • A letter from your COBRA administrator with the date your coverage ended and why
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Health plan advisors

Call us at 1-855-237-3501 for help choosing the right plan

Have questions? Our Health Plan Advisors are ready to help. TTY users call 711.