Question: I got on COBRA when I lost my job last month because my former employer pushed me to do it. I didn’t look into Obamacare because I thought it was over. Can I still switch to a Covered California plan?
Answer: Probably, but not for sure yet. The Department of Health and Human Services is concerned that people newly-eligible for COBRA, as well as COBRA beneficiaries, may have had insufficient information to understand they only can enroll in the exchange during an open enrollment period, when initially eligible for COBRA or when COBRA coverage expires. So HHS is providing an additional special enrollment period based on exceptional circumstances so that persons eligible for COBRA and COBRA beneficiaries are able to select QHPs in the exchange. Affected individuals have through July 1, 2014, to select QHPs in the exchange. This is for federal exchanges. At this point, Covered California has not decided whether they will follow the recent CMS regs. Reference: http://www.cms.gov/CCIIO/Resources/Regulations-and-Guidance/Downloads/SEP-and-hardship-FAQ-5-1-2014.pdf