If I waived health insurance through work because I already have a policy and then during the year I involuntarily lose my health insurance is that considered a qualifying event to obtain coverage right away through my job's insurance company and not having to wait for open enrollment?
Insurance - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
~~State laws vary, in CA it is possible to be added back on, but it is up to your employer on whether they make you wait or not. In my experience they usually allow you to sign up without waiting.~~
2 :
If you waive insurance because you have health insurance from your spouse's insurance, and spouse is laid off and loses the insurance plan, then yes, that is a qualifying event. If you bought private coverage, and decide to stop paying for it, that is NOT a qualifying event. So it all depends on how you have a policy already, and how during the year you lose that coverage.
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