How do I avoid a 63-day significant break in health coverage?
• If a spouse has coverage in a health plan that allows family members to join, you may want to enroll. (See the FAQs on Special Enrollment.) • If your last coverage was in a group health plan, you may want to sign up for COBRA continuation coverage. While you (and your family members, if they were also part of your prior plan) will have to pay for this temporary coverage, COBRA can prevent or reduce a break in coverage. (Learn more about COBRA.) • You can buy an individual health insurance policy if you think you would otherwise have a break of 63 days or more. • Some states have high-risk pools for people who cannot otherwise get health benefits. Your state insurance commissioner’s office can tell you if such a pool exists where you live.
