 you hear the headlines you know health insurance is a real mess right now premiums skyrocketed and in most cases you're stuck with your plan until open enrollment 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 for yourself employed this law may qualify you to get lower health insurance rates