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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

What Happens When COBRA Expires?

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Question: What options do I have for getting individual health coverage. I am 59 5'3" and weigh 175. I have HBP under control with medication. My COBRA ends 8/25/2011. Got any suggestions?

Answer: You're fortunate that you have COBRA if at all possible keep it until it expires. When your COBRA health insurance coverage expires you will qualify for guaranteed issue health insurance coverage under the federal HIPAA law.
Most health insurance companies who market individual health insurance offer HIPAA qualified coverage. HIPAA plans are usually high deductible PPO plans at a substantial mark-up over the standard rate for a "healthy" applicant. The idea being that HIPAA applicants are a greater risk as a group. You may be able to purchase a HIPAA plan from your current insurer, but can shop for HIPAA plans from any other carrier in your state.

1 Comment

You got the word right “market”

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