Georgia Navigator Practice Exam

What qualifies as a Qualifying Life Event?

1. A major university graduation

2. A change in a medical diagnosis

3. Changes in family size or residence

4. A completion of a health insurance application

The correct answer is: Changes in family size or residence

A Qualifying Life Event refers to significant changes in an individual’s life that can allow them to enroll in or change their health insurance outside of the annual Open Enrollment Period. Changes in family size or residence are key examples of these events. For instance, getting married, having a baby, or moving to a new area can all impact your health insurance needs, thus qualifying you for a special enrollment period. In contrast, other options do not typically constitute Qualifying Life Events. Major university graduation, for example, is an important life milestone but does not directly affect one’s health insurance eligibility. A change in a medical diagnosis might influence healthcare needs but doesn't trigger enrollment options. Completing a health insurance application is simply part of the process of obtaining coverage rather than a life event that alters eligibility. Hence, considering the definitions and implications surrounding health insurance regulations, changes in family size or residence are definitive Qualifying Life Events.