Return to FAQ Return to Top of Page What is Creditable Coverage?
• A group health plan (including COBRA, Temporary Continuation of Coverage (TCC), or State continuation coverage) • Health insurance coverage (including individual coverage, college or school insurance, or short-term limited duration insurance) An HCTC candidate can be required to have had three months of creditable coverage immediately preceding the time that they apply for a qualified health plan. The “immediately’ includes a possible break in coverage up to sixty-two days. If the break in coverage is more than 62 days, the plan can impose preexisting condition exclusions. Although a health plan administrator can require three months of creditable coverage, it can also waive this requirement.
