ACA Plan: How to Update Your Plan When Life Changes

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It’s important to know how to update your ACA Plan when life changes. Life is full of changes. Some are planned, some are unexpected. Some are happy, some are sad. Some are minor, some are major. But no matter what kind of change you face, it can have an impact on your health insurance needs.

What is a qualifying life event?

A qualifying life event (QLE) is a change in your situation that allows you to enroll in or change your health insurance plan outside the regular open enrollment period. Some examples of QLEs are:

Getting married or divorced
Having a baby or adopting a child
Moving to a new place
Losing your job or changing your income
Becoming a U.S. citizen or gaining lawful status
Turning 26 and aging off your parent’s plan

These are not the only QLEs. You can check the full list on HealthCare.gov. If you have a qualifying life event, you have 60 days from the date of the event to enroll in or change your health insurance plan.

A heartwarming image of a couple holding their newborn baby, representing the joy and life changes brought about by their ACA plan during this precious qualifying life event.

How can DiskQuote help you find the right ACA plan for your new situation?

Updating your ACA plan when life changes can be confusing and stressful. You may not know which plan is best for your new needs and budget. You may also want to compare different plans from different companies to find the best deal.

That’s why we recommend DiskQuote, a company that works with reliable Health Insurance and Medicare Companies to get you the right insurance prices. DiskQuote has a team of qualified and experienced professionals who can help you find the ideal ACA plan for your new situation.

DiskQuote can help you:

Compare different ACA plans from different companies in one place.
Find out if you are eligible for any subsidies or tax credits to lower your costs.
Enroll in an ACA plan online or over the phone.
Get answers to any questions or concerns you may have about ACA plans and life changes.

An image capturing a couple, holding boxes as they move into their new home, symbolizing the life changes and new beginnings enabled by their ACA plan, a significant qualifying life event.

Everyday Voices: How to Update Your ACA Plan When Life Changes

We spoke to Lisa Miller, a 28-year-old teacher from Chicago, about her experience with updating her ACA plan when she had a life change. Lisa recently got married and moved to a new state with her husband.

Lisa, congratulations on your marriage. How did this affect your health insurance situation?

Thank you. Well, before I got married, I had an ACA plan that I bought on the HealthCare.gov website. It was a silver plan that covered most of my needs and was affordable for me. But when I got married, I had to update my plan because my income and household size changed.

How did you update your ACA plan?

I went online and logged in to my account on HealthCare.gov. I reported my life change and entered my new information. The website showed me the new plans that were available for me based on my new situation. I also saw that I qualified for a tax credit that lowered my premium.

How did you choose your new plan?

I compared the different plans that were offered to me. I looked at the level of coverage, the cost, the provider network, and the quality ratings. I wanted a plan that would cover both me and my husband, and that would have good benefits and reasonable prices. I ended up choosing a gold plan that met our needs.

Note: The interviewee’s name has been changed to protect their privacy.

If you have a health insurance plan through the Affordable Care Act (ACA) marketplace, you may need to update your information or change your plan if you experience certain life events. These events include getting married, having a baby, moving to a new area, losing your job, or becoming eligible for Medicaid.

Updating your ACA plan can help you avoid paying too much or too little for your coverage, and ensure that you have the best plan for your needs. You should report any changes as soon as possible, preferably within 60 days of the event, to avoid any gaps or penalties in your coverage. By updating your ACA plan when your life circumstances change, you can stay healthy and protected.

How can DiskQuote help you find the right ACA plan for your new situation?

At DiskQuote, we work with the reliable Health Insurance and Medicare Companies to get you insurance prices. We can help you compare and enroll in an ACA plan that suits your budget and health goals.If you are interested in getting an ACA plan for 2023, don’t wait until the last minute. Contact us today and let us help you find the deal for your health insurance. Visit our contact page to fill out a simple form. Don’t let life changes affect your health insurance coverage. Update your ACA plan today with DiskQuote! 😊

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