 You hear the headlines. You know health insurance is a real mess right now. Premiums have 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 or you're self-employed, this law may qualify you to get lower health insurance rates.