What documents can I use to prove a qualifying life event?

Who is this for?

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If you need to buy health insurance or make changes to your coverage during special enrollment, this explains what you'll need.

Everyone can enroll in an individual health insurance plan during open enrollment. But sometimes events like a birth or marriage mean you'll need to change your coverage at another time of the year. These are called qualifying life events. After a qualifying life event, you have a period of 60 days to change your plan or enroll in a new plan. You also may be able to select a plan up to 60 days in advance of some qualifying life events. This can be during open enrollment or after open enrollment has ended.

You can use any of the following qualifying life events to enroll in one of our plans during a special enrollment period. For any of these events, please be sure to provide us with one of the documents listed below.

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If you're eligible for special enrollment, you'll be able to choose and enroll in a plan. You'll need your ZIP code, income and dependent information to see if you qualify for lower costs. Then you can view and compare plans.

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Our health plan advisors and agents can also help you find and apply for the right plan. Call a health plan advisor at 1-855-237-3501, or connect with an agent.

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Life event

Acceptable documentation

  • Birth certificate or application for a birth certificate 
  • Foreign birth record showing child's date of birth and place of birth 
  • Military record showing child's birth date and place of birth 
  • Religious record showing child's date of birth and place of birth 
  • Letter from hospital, clinic, physician or other medical provider attesting to child's date of birth  
  • Medical record from clinic, hospital, midwife, institution or other medical facility showing child's date of birth 
  • Document from health insurance company, like an Explanation of Benefits, showing services related to birth  and the reason why you can't provide documentation  
  • Adoption letter or record showing date of adoption signed and dated by a court official 
  • Government-issued or legal document showing legal guardianship was established or child was placed in home including date it occurred
  • Marriage certificate showing the date of marriage
  • Marriage license showing the date of marriage
  • An official public record of the marriage, including a foreign record of marriage
  • Letter or document from employer stating the employer changed, dropped or will drop coverage or benefits for the employee, spouse or dependent, including the date coverage ended or will end
  • Letter from other health insurance company showing coverage termination date 
  • Proof of prior qualifying health coverage within the last 60 days, such as a pay stub showing medical deduction
  • Dated and signed copy of written verification from an agent or dated letter from another health insurance company, showing the cancellation of your plan 
  • Copy of current and previous pay stubs showing the reduction in work hours that caused the loss of coverage

Divorce or legal separation

  • Divorce or annulment papers including the ending of health care responsibility and proof of prior qualifying health coverage within the last 60 days


Death of policyholder

  • Death certificate or public notice of death and proof of prior qualifying health coverage within the last 60 days


  • Proof of prior qualifying health coverage within the last 60 days


Loss of Medicaid

  • Documentation from Michigan Department of Health and Human Services indicating the reason for loss and when coverage ended or will end  
  • Letter from Medicaid or Children's Health Insurance Plan (CHIP) stating when coverage ended or will end
  • Court order showing the effective date on the order 
  • Medical support order 
  • Foster care papers dated and signed by a court official

Policyholder became eligible and enrolled in Medicare

Prior card holder's Medicare card showing Part A and B effective dates and proof of prior qualifying health coverage within the last 60 days

  • Letter showing employer's offer of COBRA or stating when the COBRA coverage will end 
  • Letter or document from insurance company showing length of COBRA coverage with date coverage ended or will end

Proof of prior qualifying health coverage within the last 60 days and one of the following:

  • Lease or rental agreement 
  • Mortgage deed if showing owners use the property as primary residence 
  • Insurance document like homeowners, renters or life insurance policy or statement 
  • Mail from the Secretary of State; driver's license, vehicle registration, state ID or change of address card 
  • U.S. Postal Service change of address form 
  • Mail from government agency like Social Security statement or a notice from Temporary Assistance for Needy Families or Supplemental Nutrition Assistance Program
  • State ID 
  • Official school documentation, including enrollment, ID cards, report cards or housing documentation 
  • Mail from financial institution 
  • Pay stub with residential address 
  • Letter from current or future employer that you relocated for work 
  • Voter registration card showing name and address 
  • Moving company contract or receipt showing address 
  • Letter from a local non-profit social services provider or government entity (including a shelter) that can verify you live there and aren't just visiting 
  • A letter or statement if you're living in the home of another person, like a family member, friend, or roommate. You may send a letter or statement from that person stating you live in the area and aren't just temporarily visiting. This person must prove their own residency by including one of the documents above. 
  • For homeless/transitional housing, a letter or statement from another resident of the same state, stating that they know where you live and are not just living in the area temporarily. This person must prove their own residency by including one of the documents above. 
  • Green card, education certificate or visa if moved to the U.S. from another country

Other events

  • Letter from school stating when student health coverage ended or will end 
  • Dated copy of military discharge papers or Certificate of Release including the date coverage ended or will end due to no longer active military service 
  • Letter or notice from government program, like TRICARE, Peace Corps, AmeriCorps, or Medicare stating when coverage ended or will end
  • Document from the Department of Corrections, jail or prison indicating release or parole, including an order of parole, order of release or an address certification
  • Documentation from the Health Insurance Marketplace or state-based exchange showing determination of eligibility and date for the following events: 
    • Newly eligible for Advanced Premium Tax Credit 
    • Materials violation of the plan contract 
    • Unintentional, inadvertent or erroneous enrollment