Life Happens

When life happens, update your health insurance coverage.

If you’ve experienced a life changing event, you may be eligible to enroll in the Health Insurance Marketplace – up to 60 days after the following circumstances:

  • Changing jobs
  • Moving
  • Losing health insurance coverage
  • Birth/Adoption
  • Gaining new immigration status
  • Marriage/Divorce
  • Turning 26 (if you were on your parent’s plan)
  • Leaving incarceration
  • Survivors of domestic violence may apply for health insurance at any time by calling the Healthcare.gov Call Center at 800-318- 2596

To see if you qualify, contact a Navigator or other certified assister in your area to help you with the process, log on to healthcare.gov, or call the Health Insurance Marketplace at 800-318-2596.


Cover Kansas Navigators can help you:

  • Navigate the Health Insurance Marketplace.
  • Review your eligibility for financial assistance.
  • Compare health insurance plans and help you enroll in a plan that meets your needs.
  • Find answers to your questions year-round.

Get Ready to Enroll: What will you need to apply and enroll?

When enrolling, you will be asked for basic information about your family and household. Make sure to gather the following information before you apply:

  • Names, birth dates and Social Security numbers for everyone in your household.
  • Your projected household income.
  • Tax information, such as filing status and number of dependents.
  • Immigration documentation and supporting identification numbers.
  • Completed Employer Coverage Tool form, which can be downloaded from healthcare.gov.
  • An email address and password to create an online Marketplace account. Your Navigator or certified assister can help you create an email address if you do not have one.

Penalty for Not Having Coverage

If you can afford health insurance but choose not to purchase any, you must have a health coverage exemption or you will pay a penalty, also known as a fine or individual responsibility payment. The fee is calculated two different ways – as a percentage of your household income, and per person. You’ll pay whichever is higher.

For more information, visit: healthcare.gov/fee-exemptions