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Options if You've Recently Lost Coverage

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Options to Continue Coverage

If you lose your job-based health insurance, either because you lost your job or your employer drops coverage, you may be able to keep your health insurance for a limited time through COBRA. Remember, under the Affordable Care Act (ACA), everyone is required to have health insurance. And, if you don’t have health insurance coverage, you will pay a penalty.

Continue Through COBRA Coverage

If you were employed by a company with 20 or more employees, the federal Consolidated Omnibus Budget Reconciliation Act (COBRA) lets you to continue your health insurance coverage, at your expense, for up to 18 months. COBRA is available to you and your dependents upon notice from your previous employer. Under the federal law, you have 60 days to choose to continue coverage under your previous employer and then another 45 days to pay the retroactive premium. Please contact your previous employer for more information.

If you were employed by a company with 2 – 19 employees, Mini-COBRA applies to you. With Mini-COBRA, you are entitled to continue your health insurance coverage, at your expense, when you leave employment or when other qualifying events occur. You will have 30 days to accept the coverage from the date you are notified by your previous employer to elect continuation coverage. Coverage for you and your eligible family members will be effective the date of the qualifying event. And in certain cases, as part of the federal American Recovery and Reinvestment Act of 2009 (ARRA), “qualified” employees will also be eligible to receive a subsidy health care credit totaling 65% of the monthly premium for coverage. Please contact your previous employer for more information.

Direct Pay Plans from Highmark

When you choose Blue you get the largest network of providers, local knowledgeable customer service and valuable wellness programs. You can find more information about our new plans by visiting DiscoverHighmark.com.  To see if you qualify for a federal premium tax credit and cost-share subsidy, go to the Marketplace at healthcare.gov.