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Special Enrollment & Life Changes: Coverage When Life Changes

Lost a job, got married, had a baby, moved, or aged off a parent’s plan? Life changes open short windows to enroll outside Open Enrollment. These articles explain which events qualify, how long you have, and what proof the Marketplace may ask for.

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Quick guides to help you understand coverage, savings and enrollment.

Latest Articles

New articles appear here as we publish them, in English and Spanish. Each one links to the service page where a Madrina can help you act on it.

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Stories From Families Like Yours

Navigating healthcare is complicated. Our advisors simplify the process so you get the coverage you deserve without the headache.

Alberto Fernandez Google review
Rated 5 out of 5 on Google
“I’ve had my Obamacare coverage for over a year and I’m extremely happy with the fast, efficient service. I’m especially grateful for the excellent care from Las Madrinas.”
Novlet A-Marquis Google review
Rated 5 out of 5 on Google
“I only speak English and I was well received by these people who mostly speak Spanish all my needs were met and I received everything I went there for and more.”
Giovanni Perez Google review
Rated 5 out of 5 on Google
“It was a wonderful experience with Ninfa. She was very professional and found an affordable health insurance for my Mom.”
Yana Gandelman Google review
Rated 5 out of 5 on Google
“Sandra is the best insurance agent! Very compassionate and understanding. Always there and ready to help. Very hard working employee.”
Juan Ramirez Google review
Rated 5 out of 5 on Google
“Rosmari Carrera is an amazing agent. Always helpful and polite. I highly recommend her.”
Luisa Luna Google review
Rated 5 out of 5 on Google
“Daniela has assisted me with my insurance policy for several years. She is a dedicated and easy-to-reach person. Her customer service is excellent.”
Jerald Amora Google review
Rated 5 out of 5 on Google
“Las Madrinas is a great place to get all the information and help needed to obtain healthcare coverage.”
Glyk Group Google review
Rated 5 out of 5 on Google
“This is my second year using this company for my health insurance and I am very satisfied with the service.”

Frequently Asked Questions

How long do I have after a life change?
Usually 60 days from the date of the event. If you lost Medicaid or CHIP, you have 90 days. You can also report a coming loss of coverage up to 60 days before it ends.
Does dropping my plan count as a life change?
No. Losing coverage qualifies, but choosing to drop a plan or stopping your payments generally does not open a Special Enrollment Period.
Can I get financial help during a Special Enrollment Period?
Yes. If you qualify for a premium tax credit or cost-sharing reductions, you get them the same as during Open Enrollment.
Does it cost anything to work with Madrinas?
No. Our help is free. Insurance carriers pay licensed agents like us, so you never pay a fee for our guidance or for enrolling.
¿Hablan español?
Sí. Hablamos español en cada paso, por teléfono, por video o en nuestras oficinas. Every Madrina can help you in English or Spanish.

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Madrinas Insurance is the trade name of Living Secure Insurance Advisors, LLC, a licensed insurance agency. Learning Center articles are general information, not advice about your situation; rules, plans, and costs change and vary by state. This page is for general informational purposes and does not constitute an offer of insurance or a guarantee of coverage or cost.

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