When can I make changes to my benefits?

June 5, 2024

Generally, you can only change your benefit choices during the annual Open Enrollment period or if you have an IRS “Qualifying Event” during the year, which includes:

• Marriage or Divorce

• Birth, adoption, or placement for adoption of an eligible child

• Death of your spouse or covered child

• Change in your spouse’s work status that results in cancellation of your benefits

• Your dependent child is no longer eligible

• Loss of coverage through a parent’s plan

• Becoming eligible for Medicare or Medicaid during the year

If you have a life event change, you must submit a notification to your employer within 30 days of the qualifying event. Depending on the type of change, you may need to provide proof documentation (for example, a marriage license or birth certificate). If you do not submit a notification within 30 days, you will have to wait until the next annual Open Enrollment period to make benefit changes.