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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.


Diagnosis of cancer prior to expiration of cobra coverage

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Question: I have been diagnosed with breast cancer and I am covered under my husband's current COBRA coverage. What happens to me when the COBRA coverage ends in November?

Answer:When your COBRA coverage expires, you will qualify for guaranteed issue health insurance under the HIPAA law. You cannot be turned down because of your illness. Every health insurance company offering individual health insurance in your area, must offer a so-called HIPAA plan. HIPPA coverage You should contact those carriers now and ask about a HIPAA plan. Please accept my best wishes for a complete recovery from your illness.

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