The ACA prohibits rescissions (cancellation or discontinuation of coverage with retroactive effect) except in cases of fraud or intentional misrepresentation of a material fact as prohibited by the terms of the plan.

What is considered involuntary loss of coverage?

But other than rescission, “involuntary” loss of coverage just means that you didn’t cancel the plan yourself, or lose your coverage because you stopped paying premiums. Most non-elderly adults have coverage through an employer-sponsored plan.

What does loss of coverage mean?

Loss of Coverage means a complete loss of coverage under, or elimination of, a Component Plan or a Medical or Dental Plan, including the elimination of a Component Plan. In addition, the Plan Administrator in its sole discretion, on a uniform and consistent basis, may treat the following as a loss of coverage: Sample 1.

Is losing coverage a qualifying event?

A change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible for a Special Enrollment Period, allowing you to enroll in health insurance outside the yearly Open Enrollment Period. There are 4 basic types of qualifying life events.

Are there employers dropping spouses from employer-sponsored plans?

Q. I have heard that because of Obamacare, employers have been dropping spouses from their plans. Is this true? A. Obamacare (the Affordable Care Act) increased the options employees’ spouses have for obtaining health insurance, and the law does not require employers to offer coverage to spouses.

What happens if my employer cancels my COBRA insurance?

The FMLA applies only to businesses with 50 or more employees, and employees working a specified number of hours. If you are not eligible for FMLA, your employer could cancel your policy at any time. COBRA allows for employees to continue coverage for up to 18 months.

Can a spouse still get health insurance if their employer does not offer it?

Those family members still do not have access to subsidies in the exchange, due to the family glitch. When employers opt to not offer coverage to spouses – and assuming the spouse does not have access to their own employer-sponsored plan – individual market coverage is available, regardless of pre-existing conditions.

Can a person be dropped from health insurance without notice?

Like the Gaffers, tens of thousands of Americans each year — exact counts aren’t available — are dropped by their insurers over payment issues, sometimes with little or no prior warning from their insurers. The question is: Can insurers cancel people with little or no notice? The answer is yes … and no.