1. Loss of Employer Coverage
2. Moving to a New Address
3. Loss of Medicaid Eligibility
4. Getting Coverage Through a New Medicare Advantage or Part D Plan
5. Gaining/Losing Eligibility for Extra Help (Low-Income Subsidy)
6. Leaving Incarceration
7. Institutionalized (e.g., Nursing Home or Long-Term Care)
8. Plan Termination
9. Medicare Contract Violation or Misleading Information
10. Natural Disasters or Emergencies (FEMA-Declared)
11. Trial Rights
12. Dual Eligible (Medicare + Medicaid)
13. Other Exceptional Circumstances