www.coveredca.com
Open in
urlscan Pro
23.99.0.12
Public Scan
Submitted URL: https://click.marketing.coveredca.com/?qs=c2b98ca03e568d746357bba8657ec649a26015dece4d41afb43b8fb5a8b8d653cad4ba23edcd3eeecf9d773a4ee6...
Effective URL: https://www.coveredca.com/support/before-you-buy/qualifying-life-events/?utm_source=SFMC&utm_medium=email&utm_campaign=C3-...
Submission: On May 11 via api from US — Scanned from DE
Effective URL: https://www.coveredca.com/support/before-you-buy/qualifying-life-events/?utm_source=SFMC&utm_medium=email&utm_campaign=C3-...
Submission: On May 11 via api from US — Scanned from DE
Form analysis 5 forms found in the DOM
/site-search.html
<form class="form-inline my-2 my-lg-0 py-3 px-3 d-lg-none nav-site-search-form" action="/site-search.html">
<div class="position-relative w-100">
<div class="row">
<div class="col-12">
<div class="input-group d-flex align-items-start w-100">
<input type="hidden" class="d-none" name="index" value="1">
<input class="form-control nav-site-search-form__input nav-site-search-form__input--mobile" placeholder="Search" aria-label="Search" name="query" type="text">
<button class="btn border-left-0 border-radius-0 border-raidus-top-right-1 border-raidus-bottom-right-1 px-2 p-0 d-flex align-items-center border-gray-light" style="height: 40px;right: -1px" type="submit">
<i class="material-icons text-primary">search</i>
</button>
</div>
</div>
<div class="col-12 nav-site-search-form__invalid-feedback nav-site-search-form__invalid-feedback--red d-none" id="nav-site-search-input-invalid-feedback">
</div>
</div>
</div>
</form>/site-search.html
<form action="/site-search.html" class="flex-grow-1 nav-site-search-form" id="site-search-form-nav">
<div class="form-group mb-0">
<div class="row">
<div class="col-10 col-md-11">
<div class="input-group">
<div class="input-group-prepend">
<button type="submit" class="form-control btn btn-white btn-primary-on-hover h-100 d-flex align-items-center border border-right-0" style="left: -1px">
<i class="material-icons color-primary">search</i>
</button>
</div>
<label for="site-search-input-nav" class="sr-only" style="top:1000px;">Search</label>
<input type="text" class="form-control nav-site-search-form__input nav-site-search-form__input--desktop" style="border-top-right-radius: 50rem; border-bottom-right-radius: 50rem;" id="site-search-input-nav" name="query"
placeholder="Search CoveredCA.com">
<input type="hidden" class="d-none" id="site-search-index-nav" name="index" value="1">
</div>
</div>
<div class="col-2 col-md-1">
<div class="d-flex h-100 align-items-center">
<button class="bg-transparent border-0 p-0 search-active-toggle" type="button" style="height: 24px;"><i class="w-24px color-white material-icons">close</i></button>
</div>
</div>
<div class="col-12 nav-site-search-form__invalid-feedback nav-site-search-form__invalid-feedback--white d-none" id="nav-site-search-input-invalid-feedback">
</div>
</div>
</div>
</form><form class="sign-up__form subscription w-100" id="footer-subscribe">
<input type="hidden" name="StateSubsidy" value="true">
<input type="hidden" name="Source" value="footer">
<div class="row mx-0">
<div class="col-12">
<div class="form-group w-90 mx-auto">
<label class="text-dark m-0 pl-3" for="Name">First Name</label>
<input type="text" id="Name" name="Name" class="form-control form-control-sm border border-dark rounded-pill" placeholder="e.g. John">
</div>
</div>
<div class="col-6 ml-2">
<div class="form-group w-90 mx-auto">
<label class="text-dark m-0 pl-3" for="Zip">ZIP Code</label>
<input type="text" id="Zip" name="ZipCode" class="form-control form-control-sm border border-dark rounded-pill" placeholder="12345">
</div>
</div>
<div class="col-12">
<div class="form-group w-90 mx-auto mb-0">
<label class="text-dark m-0 pl-3" for="EmailAddress">Email*</label>
<input type="email" id="EmailAddress" name="EmailAddress" class="form-control form-control-sm border border-dark rounded-pill" placeholder="youremail@example.com" required="">
</div>
</div>
<div class="col-12">
<div class="w-90 mx-auto">
<span class="font-size-12px pl-3">* required</span>
</div>
</div>
<div class="col">
<button type="submit" id="gtm-sign-up" class="sign-up__submit-button--footer btn btn-sm btn-primary d-block mx-auto mt-2 mt-lg-0 px-5">Subscribe</button>
</div>
</div>
</form><form class="sign-up__form subscription" id="pop-up-subscribe">
<input type="hidden" name="StateSubsidy" value="true">
<input type="hidden" name="Source" value="Pop-up">
<div class="form-group">
<label class="text-primary" for="fNamePopUp">Enter First Name</label>
<input id="fNamePopUp" name="fNamePopUp" class="form-control border-primary">
</div>
<div class="form-group">
<label class="text-primary" for="ZipCode">Enter ZIP Code</label>
<input name="ZipCode" id="ZipCode" class="form-control border-primary">
</div>
<div class="form-group">
<label class="text-primary" for="eAddressPopUp">Enter Email Address (Required)</label>
<input type="email" id="eAddressPopUp" name="eAddressPopUp" class="form-control border-primary" required="">
</div>
<a class="text-center d-inline-block mb-4" href="/privacy">Privacy Policy</a>
<div class="loading text-center mb-3"><img src="//www.coveredca.com/images/loading.gif" alt="Loading..."></div>
<div class="col-8 offset-2">
<button id="signUp" type="submit" class="sign-up__submit-button btn btn-action w-100 gtm-lead-popup-subscribe" disabled="">Subscribe</button>
</div>
</form><form id="calculator-form" class="subsidy-calculator__form py-3 px-3 px-md-0" autocomplete="off">
<!-- Calculator API Error Message -->
<div id="subsidy-calculator__calculate-error-message" class="row mr-0 d-none">
<div class="col">
<div class="alert alert-danger text-center"> We are experiencing technical difficulties. Please try again later. </div>
</div>
</div>
<!-- Household Income, Zip and County -->
<div class="row mr-0 align-items-end">
<!-- Household Income -->
<div class="col-md-4 py-3">
<div id="household-income-component-01">
<div class="household-income-component">
<!-- HouseholdIncome Label -->
<div class="mb-2">
<label class="household-income-component__label font-weight-bold d-inline m-0" for="subsidy-calculator__household-income"> Household Income </label>
<span id="calculator-tooltip--household-income" data-toggle="tooltip" title="" class="font-18px text-primary cursor-pointer d-inline material-icons-outlined subsidy-calculator__tooltip-trigger" tabindex="0"
data-template="<div class="tooltip subsidy-calculator__tooltip" role="tooltip"><div class="arrow"></div><div class="tooltip-inner"></div></div>"
data-original-title="Household income refers to the estimated combined income of all family members for the year you plan to have coverage."> info </span>
</div>
<!-- HouseholdIncome Input -->
<div class="d-flex">
<input id="subsidy-calculator__household-income" class="household-income-component__input subsidy-calculator__input subsidy-calculator__input-income order-2" placeholder="28,000" type="text">
<div class="input-group-prepend order-1">
<span class="subsidy-calculator__dollar-sign">$</span>
</div>
</div>
<!-- HouseholdIncome Invalid Feedback -->
<div id="subsidy-calculator__household-income-invalid-feedback" class="household-income-component__invalid-feedback invalid-feedback"> Please enter a number </div>
</div>
</div>
</div>
<!-- ZIP -->
<div class="col-6 col-md-4 py-3">
<div id="zip-component-01">
<!-- ZIP Code Component -->
<div class="zip-code-component">
<!-- Label -->
<label class="font-weight-bold zip-code-component__label" for="subsidy-calculator__zip-code">ZIP Code</label> <br>
<!-- Input Group -->
<div class="d-flex">
<!-- Input -->
<input id="subsidy-calculator__zip-code" class="zip-code-component__input subsidy-calculator__input" placeholder="95834" type="text">
<!-- Location Button -->
<div class="input-group-append">
<span class="input-group-text icon-styles subsidy-calculator__form-control">
<button class="subsidy-calculator__flat-button gtm-calculator-geolocation zip-code-component__location-button" type="button">
<span class="sr-only">location</span>
<svg class="subsidy-calculator__icon-primary" focusable="false" viewBox="0 0 24 24" aria-hidden="true">
<path
d="M12 8c-2.21 0-4 1.79-4 4s1.79 4 4 4 4-1.79 4-4-1.79-4-4-4zm8.94 3c-.46-4.17-3.77-7.48-7.94-7.94V1h-2v2.06C6.83 3.52 3.52 6.83 3.06 11H1v2h2.06c.46 4.17 3.77 7.48 7.94 7.94V23h2v-2.06c4.17-.46 7.48-3.77 7.94-7.94H23v-2h-2.06zM12 19c-3.87 0-7-3.13-7-7s3.13-7 7-7 7 3.13 7 7-3.13 7-7 7z">
</path>
</svg>
</button>
</span>
</div>
</div>
<!-- Invalid Feedback -->
<div class="zip-code-component__invalid-feedback invalid-feedback"> Please enter a valid ZIP code </div>
</div>
</div>
</div>
<!-- County -->
<div class="col-6 col-md-4 py-3">
<div id="county-01" class="d-none">
<div class="county-component">
<label class="county-component__label font-weight-bold" for="subsidy-calculator__county">County</label> <br>
<select id="subsidy-calculator__county" class="county-component__input subsidy-calculator__select">
<option value="Sacramento">Sacramento</option>
</select>
</div>
</div>
</div>
</div>
<!-- Household Size, How many need coverage, coverage year-->
<div class="row mr-0 align-items-end">
<div id="household-size" class="col-6 col-md-4 py-3">
<div class="household-size-component subsidy-calculator__household-size">
<div class="mb-2">
<label class="household-size-component__label font-weight-bold d-inline m-0" for="subsidy-calculator__household-size"> Household Size </label>
<span id="calculator-tooltip--household-size" data-toggle="tooltip" data-placement="right" title="" class="font-18px text-primary cursor-pointer material-icons-outlined subsidy-calculator__tooltip-trigger" tabindex="0"
data-template="<div class="tooltip subsidy-calculator__tooltip" role="tooltip"><div class="arrow"></div><div class="tooltip-inner"></div></div>"
data-original-title="Include only the tax filer and any spouse or dependents (even if they aren’t applying for insurance)."> info </span>
</div>
<select id="subsidy-calculator__household-size" class="subsidy-calculator__select household-size-component__input">
<option value="1">1</option>
<option value="2">2</option>
<option value="3">3</option>
<option value="4">4</option>
<option value="5">5</option>
<option value="6">6</option>
<option value="7">7</option>
<option value="8">8</option>
</select>
<div role="alert">
<div id="subsidy-calculator__household-size-invalid-feedback" class="invalid-feedback household-size-component__invalid-feedback"> Household size must be the same or more than how many need coverage. </div>
</div>
</div>
</div>
<div id="need-coverage" class="col-6 col-md-4 py-3">
<div class="need-coverage-component">
<label class="need-coverage-component__label font-weight-bold" for="subsidy-calculator__need-coverage">How many need coverage?</label> <br>
<select id="subsidy-calculator__need-coverage" class="need-coverage-component__input subsidy-calculator__select">
<option value="1">1</option>
<option value="2">2</option>
<option value="3">3</option>
<option value="4">4</option>
<option value="5">5</option>
<option value="6">6</option>
<option value="7">7</option>
<option value="8">8</option>
</select>
<div role="alert">
<div id="subsidy-calculator__need-coverage-invalid-feedback" class="need-coverage-component__invalid-feedback invalid-feedback"> Cannot be more than the household size </div>
</div>
</div>
</div>
<div id="coverage-year" class="col-12 col-md-4 py-3" style="display: none;">
<div class="coverage-year-component">
<div class="mb-2">
<label class="coverage-year-component__label font-weight-bold d-inline m-0" for="subsidy-calculator__coverage-year"> When do you want to start coverage? </label>
</div>
<select disabled="" id="subsidy-calculator__coverage-year" class="coverage-year-component__input subsidy-calculator__select">
<option value="2022">Next year (2022)</option>
<option value="2021">This year (2021)</option>
</select>
<div class="coverage-year-component__invalid-feedback invalid-feedback" role="alert"> Please enter a coverage year </div>
</div>
<script>
const now = new Date();
if (now.getFullYear() > 2021) document.getElementById('coverage-year').style.display = 'none';
</script>
</div>
</div>
<!-- Age of members needing coverage -->
<div class="row">
<div id="ages" class="col-12">
<div class="ages-component pt-4">
<div class="mb-2">
<span class="ages-component__label d-inline-block font-weight-bold pr-2"> Age of People Needing Coverage <span id="calculator-tooltip--member-ages" data-toggle="tooltip" data-placement="right" title=""
class="font-18px text-primary cursor-pointer material-icons-outlined subsidy-calculator__tooltip-trigger" tabindex="0"
data-template="<div class="tooltip subsidy-calculator__tooltip" role="tooltip"><div class="arrow"></div><div class="tooltip-inner"></div></div>"
data-original-title="If under one year old, enter "1". Enter the age you and your household members will be on Jan. 1, 2022."> info </span>
</span>
<span id="member-age-label" class="d-none">Age of People Needing Coverage</span>
</div>
<!-- Household Member Ages Input Container -->
<div id="household-members" class="ages-component__ages-container d-flex flex-wrap m-0 w-100">
<div class="household-member-age mr-2"><label for="dynamic-age-input-1" class="font-weight-bold sr-only"><br> Age of People Needing Coverage<br> <br> info<br> <br> </label><input type="number" id="dynamic-age-input-1"
class="subsidy-calculator__household-member-age subsidy-calculator__input ages-component__age-input mr-2" placeholder="45"></div>
</div>
<div role="alert">
<div id="household-members-invalid-feedback" class="ages-component__invalid-feedback invalid-feedback"> Please enter a valid age for each person. </div>
</div>
</div>
</div>
</div>
<!-- UIB -->
<div class="row mr-0 align-items-end pt-4">
<div id="received-unemployment-benefits" class="col-md-8">
<div class="uib-component d-none">
<div class="font-weight-bold mb-2"> Received unemployment benefits in 2021? <span id="calculator-tooltip--uib" data-toggle="tooltip" data-placement="right" title=""
class="font-18px text-primary cursor-pointer ml-2 material-icons-outlined subsidy-calculator__tooltip-trigger" tabindex="0"
data-template="<div class="tooltip subsidy-calculator__tooltip" role="tooltip"><div class="arrow"></div><div class="tooltip-inner"></div></div>"
data-original-title="If yes, your household likely qualifies for Silver 94 plans with lower deductibles, copays, and coinsurance — all for as low as $1 per person."> info </span>
</div>
<div class="d-inline-block pr-5 radio-container">
<label for="yes-unemployment">Yes <input class="uib-component__yes-radio" type="radio" id="yes-unemployment" name="unemployment-benefits" value="yes">
<span class="custom-radio"></span>
</label><br>
</div>
<div class="d-inline-block radio-container">
<label for="no-unemployment">No <input class="uib-component__no-radio" type="radio" id="no-unemployment" name="unemployment-benefits" value="no" checked="">
<span class="custom-radio"></span>
</label><br>
</div>
<div id="received-unemployment-benefits--info" class="subsidy-calculator__uib-info d-none">
</div>
</div>
</div>
</div>
<!-- Calculate Button -->
<div class="row mr-0 mt-auto pt-4">
<div class="col-12 d-md-flex justify-content-md-end pr-md-5 py-3">
<div id="calculate">
<a href="#results-container" id="calculate-desktop" class="subsidy-calculator__calculate-button btn btn-primary px-0 px-lg-5 d-none d-sm-block gtm-calculator-calculate disabled">Calculate</a>
<a href="#results-container" id="calculate-mobile" class="subsidy-calculator__calculate-btn-mobile btn btn-primary px-5 d-block d-sm-none w-75 mx-auto gtm-calculator-calculate disabled">Calculate</a>
</div>
</div>
</div>
</form>Text Content
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1. Home
2. Support
3. Before You Buy
4. Qualifying Life Events
QUALIFYING LIFE EVENTS
If you experience a qualifying life event, you can enroll in a Covered
California health insurance plan outside of the normal open-enrollment period.
Most special enrollment periods last 60 days from the date of the qualifying
life event.
For most qualifying life events, your coverage will start on the first day of
the following month after you select a plan.
LESS THAN 150 PERCENT OF THE FEDERAL POVERTY LEVEL
* For 2022, your expected income is less than $19,320 as a single person, less
than $26,130 for a household of two people, less than $32,940 for a household
of three people, or less than $39,750 for a household of four people. (For
other household sizes, see the Federal Poverty Level Chart under the 150
percent column.)
* Note: If this is your only qualifying life event, select “None of the Above”
on the Qualifying Life Event page of the online application. If you otherwise
qualify, the system will provide a special-enrollment period that you can use
to enroll or change plans once per month.
PANDEMIC (E.G., COVID-19) OR NATIONAL PUBLIC HEALTH EMERGENCY
* A pandemic or national public health emergency resulting in a declaration of
a state of emergency at the state or national level.
PAID THE PENALTY FOR NOT HAVING HEALTH INSURANCE
* Paid the Individual Shared Responsibility Penalty to California’s Franchise
Tax Board because you didn’t have health insurance in the previous tax year.
LOST OR WILL SOON LOSE MY HEALTH INSURANCE
* You lose Medi-Cal coverage.
* You lose your employer-sponsored coverage.
* Your COBRA coverage ends, or you stop receiving government subsidies or
employer contributions for your COBRA coverage. Note: Not paying your COBRA
premium is not considered loss of coverage.
* You are no longer eligible for student health coverage.
* You turn 26 years old and are no longer eligible for a parent’s plan.
* You turn 19 years old and are no longer eligible for a child-only plan.
AFFECTED BY WILDFIRES OR OTHER PUBLICLY DECLARED STATE OF EMERGENCY
* Experienced a natural or human-caused disaster (for example wildfires) that
resulted in the declaration of a state of emergency in California.
NEWLY QUALIFIES FOR APP-BASED DRIVER STIPEND
* New driver for a ride sharing or delivery company as an independent
contractor.
* Existing driver of a ride sharing or delivery company who expects to drive
enough hours to receive the health care stipend.
GOT MARRIED OR ENTERED INTO DOMESTIC PARTNERSHIP
* One or both members of the new couple can use the special enrollment period
to enroll in coverage.
HAD A BABY, ADOPTED A CHILD, OR BEGAN FOSTERING A CHILD
* The entire family can use the special enrollment period to enroll in
coverage.
* If you receive a child in foster care, you will need to indicate “adopted a
child” in the drop-down menu when you apply.
PERMANENTLY MOVED TO OR WITHIN CALIFORNIA
* You move to California from out of state.
* You move within California and gain access to at least one new Covered
California health insurance plan.
GAINED CITIZENSHIP/LAWFUL PRESENCE
* You become a citizen, national, permanent legal resident, or gain other
lawfully present status.
RETURNED FROM ACTIVE-DUTY MILITARY SERVICE
* You have lost coverage after leaving active duty, reserve duty, or the
California National Guard.
DOMESTIC ABUSE OR SPOUSAL ABANDONMENT
* Read more about this qualifying life event.
FEDERALLY RECOGNIZED AMERICAN INDIAN/ALASKA NATIVE
* If you are a member of a federally recognized American Indian tribe, you can
enroll at any time and change plans once per month.
RELEASED FROM JAIL OR PRISON
OTHER QUALIFYING LIFE EVENT
* You are already enrolled in a Covered California plan and become newly
eligible or ineligible for tax credits or cost-sharing reductions.
* You are already enrolled in a Covered California plan and you lose a
dependent or lose your status as a dependent due to divorce, legal
separation, dissolution of domestic partnership, or death.
* You recently gained access to an individual coverage HRA (ICHRA) or you were
newly provided a qualified small employer health reimbursement arrangement
(QSEHRA).
* Misconduct or misinformation occurred during your enrollment, including:
* An agent, certified enroller, Service Center representative or other
authorized representative enrolled you in a plan that you did not want to
enroll in, failed to enroll you in any plan or failed to calculate premium
assistance for which you were eligible.
* Misrepresentation or erroneous enrollment, including:
* Incorrect eligibility determination. This includes if you applied during
open enrollment and were initially told you were eligible for Medi-Cal and
then later determined not to be eligible for Medi-Cal.
* The health plan did not receive your information due to technical issues.
* An error in processing your verification documents resulted in an incorrect
eligibility result.
* Incorrect plan data were displayed when you selected a plan: Data errors on
premiums, benefits or copay/deductibles were displayed; incorrect plans
were displayed; or a family could not enroll together in a single plan.
* Your health plan violated its contract.
* You did not receive timely notice (and were otherwise reasonably unaware) of
an event that may have qualified you for a special-enrollment period.
* You received a certificate of exemption for hardship from Health and Human
Services for a month or months during the coverage year but lost eligibility
for the hardship exemption outside of an open enrollment period.
* You are required by court order to provide health insurance for a child who
was been determined ineligible for Medi-Cal and CHIP, even if you are not the
party who expects to claim the child as a tax dependent.
* You are enrolled in “share of cost” Medi-Cal, and have met your share of cost
in one of the past two months. You may choose to keep your enrollment in
share-of-cost Medi-Cal when you enroll in a Covered California plan. You can
use this qualifying life event for a special-enrollment period only once in a
calendar year.
* You are a member of AmeriCorps/VISTA/National Civilian Community Corps:
* If you entered AmeriCorps or one of the other organizations listed above
outside of open enrollment.
* If you ended your service with one of the organizations listed above.
* You have a non-calendar year health plan (including “grandfathered” and
“non-grandfathered” health insurance plan) outside of Covered California that
has expired or will soon expire, and you would like to switch to a Covered
California health insurance plan instead of renewing your current plan.
* Your provider left the health plan network while you were receiving care for
one of the following conditions:
* Pregnancy
* Terminal illness
* An acute condition
* A serious chronic condition
* The care of a newborn child between birth and age 36 months
* A surgery or other procedure that will occur within 180 days of the
termination or start date.
NONE OF THE ABOVE (CONTINUE TO REVIEW MY APPLICATION FOR MEDI-CAL/MEDI-CAL
ACCESS PROGRAM)
If none of these qualifying life events apply, you should still apply using
"None of the above," because you may be eligible for Medi-Cal or the Medi-Cal
Access Program (MCAP) for pregnant women based on your income. Regardless of
which life event you select, your application will still be reviewed for
coverage through Medi-Cal and MCAP.
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3.5.1
CALCULATOR
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ESTIMATE WHAT YOU’LL PAY
Estimate what you might pay for your plan with the help of our nifty calculator.
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Household Income info
$
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ZIP Code
location
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County
Sacramento
Household Size info
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How many need coverage?
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Cannot be more than the household size
When do you want to start coverage?
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Age of People Needing Coverage info Age of People Needing Coverage
Age of People Needing Coverage
info
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Received unemployment benefits in 2021? info
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Calculate Calculate
Your Estimate $63 per month for a Silver plan. Bronze as low as $0. You may
qualify for: Covered California.
* You save $507 per month.
* Brand-name plans.
This isn’t an application for health coverage.
QUICK QUOTE
YOU MAY QUALIFY FOR
done
$63 per month
Medi-Cal
for a Silver plan.
Bronze plans as low as $0.
After financial help from: You may qualify for: You may qualify for: Covered
California both Covered California and no-cost or low-cost coverage through
Medi-Cal. no-cost or low-cost coverage
check_circle Financial Help: $507 per month
check_circle Bronze, Gold and Platinum plans also available
check_circle Coverage for children, adults and families
check_circle Free or affordable pregnancy coverage
check_circle Because of your income, you may be able to sign up now, even if you
don't have another qualifying life event.
Continue
This isn’t an application for health coverage. info
Total Subsidy: $506.80
Members going to cca: 1
Members going to medical: 0
Fed Fairshare: $62.90
FPL%: 217.39130434782606
Percentage of income: 0.0
SLS Benchmark cost: 569.70
SLS Rate: 394.53
Household Rating Factor: 1.44
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