|None||There will be a 90-day waiting period from the time your application is received, until your effective date. During this 90-day waiting period, you will not have coverage.Your plan does not pay benefits until your effective date.(Valid for Nevada only)|
|Open Enrollment||Open Enrollment is a period of time which eligible individuals can elect to enroll in, or transfer between, Qualified Health Plans.|
|Special Enrollment Period||Special Enrollment Period is a period of time outside of Open Enrollment when eligible individuals can enroll in health coverage. Eligible individuals may qualify for a Special Enrollment Period due to certain life events that involve a change in family status (for example, marriage or birth of a child) or loss of other health coverage. If you qualify for a Special Enrollment Period during Open Enrollment, coverage may start sooner.|
|Loss of employer coverage||Loss of employer coverage due to termination of employment, reduction in hours or coverage no longer offered to individual's employment class or COBRA coverage ends.|
|No longer eligible as dependent||Loss of employer or individual coverage because no longer eligible as a dependent, you or your dependents have reached the lifetime maximum of another plan for all benefits under that plan, or other plans coverage is ending.|
|Divorce or Death or enrolled in Medicare||Loss of employer or individual coverage because of divorce from policyholder, death of policyholder or policyholder enrolled in Medicare.|
|Loss of Medicaid or CHIP coverage||Loss of Medicaid or CHIP coverage.|
|New dependent through marriage||Addition of new dependent as a result of marriage.|
|Birth, adoption, placement for adoption or foster child||Addition of new dependent as a result of birth, adoption, placement for adoption, or placement of a foster child.|
|Loss of eligibility for exchange subsidies||Loss of eligibility for health insurance exchange subsidies.|
|A permanent move||Permanent move to a new area that offers different plan options.|
|Other||A qualified individual has a Qualifying Event not listed in the dropdown.|
Open enrollment (OE) has started for 2016 effective dates; however, you may qualify for a 2015 effective date if you have a qualifying life event (QLE). Help
Tobacco user includes any person who has regularly used tobacco products (cigarettes, pipe, cigar, snuff, or chewing tobacco) within the last 6 months. Regular use means an average of four or more times per week, excluding tobacco use for religious or ceremonial purpose.
Note: Tobacco use does not apply to applicants under the age of 18.
Our products are ideal for individuals, students, recent graduates, young children, families and part-time workers. We offer a range of affordable benefit plans to meet your health coverage needs.