Question: If an employer’s group coveragage renews on 6/1/2014, can a person’s spouse or dependents decide at that point that they don’t want to retain the employer covarege and enroll in Covered California? Or have they missed the window of opportunity because the open enrollment for Covered California has ended? I realize they won’t be eligible for a subsidy perhaps, but I’m more concerned about the timing and a voluntary election to come off of the employer plan. Not sure if that is a true QE (qualified event) in Covered California’s eyes during the 2014 calendar year.
Answer: If your spouse or dependents were to opt out of your employer-sponsored group plan at the next renewal date (June) , the would qualify for special enrollment in Covered California. A voluntary loss of coverage is still a qualifying event.