Health Insurance for Loss of Group Coverage

We are sorry you lost your group coverage, and now you are forced to elect individual coverage.

First, you may be eligible for Cobra (Consolidated Omnibus Budget Reconciliation Act): Temporary continuation of group coverage (up to 18/36 months). Cobra may be a good option if you have already met your deductible.

If Cobra is too expensive or you have already exhausted coverage, you have 60 days to enroll in an individual plan. Also is known as a qualifying life event (QLE).

Options to consider

Most of the time, losing employer-sponsored coverage may mean you have also had a drop in taxable income. Under the Affordable Care Act, you can purchase an individual policy and qualify for premium assistance.

While you may recognize some individual health insurance companies from your past employer-sponsored plans, it’s vital to understand that Indiana individual name-brand carriers have very different networks. These carriers still provide high customer service and add-on features, but it’s essential to research the network before making a purchase.

Over the years, people have bought individual carriers they know and have been disappointed with the networks.

You may be used to calling your HR department and getting the information you need about insurance benefits. We are just as good and maybe even better. Give us a call, and we will help you.

Get A Quote

You are leaving the site to an external quote engine for Nefouse & Associates. We will not spam you. Do you wish to continue?

Group Coverage Information at nefousehealthinsurance.com

You are leaving the Individual Insurance site to learn more about Group Coverage with Nefouse & Associates. Do you wish to continue?