 But there's a government rule that allows you to qualify for lower health insurance rates if your life has changed. That means if you've changed jobs, if you're having a child, if you're getting married, if you're getting divorced, even if you run a small business or you're self-employed, this law may qualify you to get lower health insurance rates. Call the health insurance hotline today. Learn how this 10-minute call can help you get lower health insurance rates.