Which of the following experiences are qualifying live events for a Special Enrollment Period (SEP)?

A Special Enrollment Period (SEP) allows individuals to enroll in or make changes to their health insurance outside of the Open Enrollment Period due to qualifying life events. Each of the experiences listed is recognized as a qualifying event that triggers this opportunity for enrollment.

Becoming a US citizen is an important milestone that affects an individual's eligibility for health insurance, as it allows them to access benefits and coverage options that may have been unavailable prior to citizenship.

Adoption of a child is another significant life event, as it not only changes family dynamics but also necessitates new coverage options to ensure that the newly adopted child has health insurance as required by law.

Change in lawful presence is critical because it affects an individual's eligibility for public healthcare programs and private insurance options. When someone gains lawful presence, they may now qualify for plans that were not available to them previously.

Since all of these events impact an individual's need for health coverage and their eligibility, they collectively represent qualifying experiences for a Special Enrollment Period, making it clear why "All of the above" is the correct answer. Each event helps ensure that individuals have the ability to obtain necessary health insurance as their circumstances change.