The life moments that change what coverage you need: turning 26, having a baby, getting laid off, retiring before 65, Open Enrollment Season — and the special enrollment periods each one unlocks.
Enrollment Periods & Life Events
Open Enrollment Season Playbook
Month-by-month calendar for Medicare AEP, ACA Open Enrollment, and employer group OE, and the deadlines you can't miss.
Turning 26
Your first big health insurance decision, the four real options when you age off a parent's plan.
Having a Baby
The insurance moves from positive pregnancy test to first pediatrician visit, the SEP, claims, and adding the baby.
Just Got Laid Off
Your four health coverage options on Day 1 after a job loss, and which one actually wins for your situation.
Retiring Before 65
How to bridge coverage between your job and Medicare without overpaying $20,000+/year on the wrong option.
Turning 65 Without US Work History
What Medicare costs you without 40 quarters of US-covered work, and when the Marketplace is the better financial answer.
Snowbird Coverage
How to make your health plan follow you across state lines when you split the year between two states.
Life event triggering a coverage change?
Lulu will help you figure out what you qualify for, what your Special Enrollment window looks like, and what plans fit.
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