817 Haddonfield-Berlin Rd, Cherry Hill Township, NJ 08034
Life Event
HEALTH INSURANCE
Life Changes That May Require New Health Insurance Coverage
Life is full of changes—some planned, some unexpected. While these milestones can bring new opportunities, they can also impact your health insurance needs. At Truce Benefits, we help you understand how certain life events create a Special Enrollment Period (SEP), allowing you to enroll in or change your health plan outside the regular open enrollment window.
Below are common life events that may mean it’s time to review and update your coverage:
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Financial Protection
Medical expenses can add up quickly, protect yourself.
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Access to Quality Care
Receive routine check-ups, preventive care, and treatment.
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Peace of Mind
Focus on growing your business.
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Attract Employees
Make your business more competitive in the job market.
1. Divorce or Legal Separation
A divorce or legal separation can leave one or both parties without access to employer-sponsored health insurance. If you lose coverage through a spouse, you have a limited window to secure a new plan—whether through the ACA marketplace, COBRA, or a private policy.
2. Death of a Spouse or Family Member
Losing a loved one is already difficult. If they were the primary policyholder, their passing could leave you without coverage. We can guide you through finding a new plan quickly, so you remain protected during this challenging time.
3. Turning 26 and Aging Out of a Parent’s Plan
Under current law, you can remain on a parent’s health plan until you turn 26. Once you reach that birthday, you’ll need to secure your own coverage. We can help you find an affordable plan that fits your needs, whether you’re working, freelancing, or between jobs.
4. Marriage or Domestic Partnership
Getting married often opens new coverage options, such as joining your spouse’s employer plan or finding a marketplace plan together. We can help you compare the cost and benefits of each choice.
5. Birth or Adoption of a Child
Welcoming a child into your family means adding them to your health plan or finding coverage that meets your growing family’s needs. Acting quickly ensures there’s no gap in your child’s care.
6. Job Loss or Change in Employment
If you lose your job—or your employer stops offering health benefits—you may qualify for COBRA, marketplace coverage, or a private plan. Even a shift from full-time to part-time work can affect your eligibility for benefits.
7. Relocation to a New State
Moving to a new state usually means you’ll need to change your health plan, as most insurance networks are location-specific. We’ll help you transition smoothly to a plan that works in your new home.
8. Significant Income Change
A substantial increase or decrease in household income can impact your eligibility for subsidies or Medicaid. Reviewing your plan after an income change ensures you’re paying the right amount and getting the right benefits.
Why Work With Truce Benefits?
Navigating health insurance after a major life event can feel overwhelming—but you don’t have to figure it out alone. We’ll explain your options, help you meet enrollment deadlines, and make sure you get coverage that protects both your health and your finances.
Contact Truce Benefits today for a free consultation—and take the stress out of securing the right health insurance when life changes.
Truce Benefits
Your Trusted Partner in Health Insurance
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Personal Health Insurance
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Medicare Guidance
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Small Business Health Plans
Let Truce Benefits Make Health Insurance Simple for You
Starting a business is challenging, but understanding and enrolling in the right health insurance plan doesn’t have to be. Whether you need coverage for yourself, your family, or your employees, Truce Benefits is here to guide you every step of the way.
Contact us today for a free consultation and ensure that your health and financial future are protected while you build your business!
WE'RE HERE tO HELP
They frequently asked
questions
? Why should I use Truce Benefits instead of going directly to the Insurance's website or healthcare.gov?
Truce Benefits will work hand in hand with you or your business to make sure you have a full understanding of your policy, that you choose the correct one and that you are getting the absolute best rate.
? Is Truce Benefits a healthcare provider?
Truce Benefits is an independent firm developed to assist those who are having trouble understanding, enrolling or taking advantage of their personal health insurance, Medicare or business
? I missed the open enrollment deadline, am I still eligible for health insurance?
See our eligibility page for more information HERE .
? Do I need to schedule a call even if I know my eligibility?
Yes. Allow us to better determine your eligibility. This information can be misunderstood and get confusing. We're here to take this stress away. See our eligibility page for more information HERE.
? Am I required to have health insurance?
Some States have laws that require you to have a health insurance policy. Schedule a call with us ASAP to talk over your options and plan.
? I filled out the form to schedule a call, what should I expect next?
You should receive a confirmation email from us with the date you selected to speak to Truce Benefits along with all your responses to our questionnaire. We'll let you know the next steps during our scheduled call.
