健康保險在何時離職？
健康保險在何時離職？
 Group coverage ends a month after your employment terminates. You have the option to go on COBRA for up to 18 months. When you go on COBRA, you have the same coverage as you had before - the drawback is you're paying 102% of the premium (meaning you're paying your portion, the employer portion, plus an additional 2% in premiums). Under the Affordable Care Act, the loss of other group coverage can grant you a special enrollment period (a window to purchase a health plan outside of the annual enrollment period) to apply for a new plan. The metal plans in the marketplace can offer competitive premium and benefits compared to the premiums for going on COBRA. The advantage of an individual plan is that it goes with you regardless of who the employer is. With group coverage, the premiums can be less, but you lose the coverage if you leave the company. If you have any questions about health insurance or would like help with your coverage, send me a message by clicking on the "contact me" button. You can also visit my website, TermInsuranceBrokers.com, for additional information regarding health plans.
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