Navigating your employee benefits can sometimes feel overwhelming, especially when life throws changes your way. Fortunately, if you are under a cafeteria plan (also known as a Section 125 plan), your employer, who is limited under IRS rules, may allow you to adjust your benefits outside the annual open enrollment period. Employers don’t have to allow all midyear election changes, only those allowed under the Health Insurance Portability and Accountability Act (HIPAA) special enrollment rights. To maintain adequate coverage for you and your family, it’s important to understand midyear qualifying events and other considerations for midyear benefits alterations.