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Finding Coverage During Job Loss

We’re all facing an uncertain future, but for many employer groups this is a particularly anxious time. We have resources for groups and members, including those members who may be facing job loss and the loss of their employer-sponsored health insurance. 

There are affordable, high-quality options available to members beyond COBRA. Families and individuals can enroll in free or low-cost New York state-sponsored health insurance plans—including plans available through Excellus BCBS. 

  • The Essential Plan, at $0 or $20 a month 
  • Qualified Health Plans, with premium tax credits for those who qualify 
  • Medicare plans for those working past age 65
  • Other free or low-cost NY State sponsored plans for individuals and children

Two things to keep in mind: 

  • Employees have 60 days from the date of a qualifying life event (such as job loss or the loss of employer-sponsored health insurance) to enroll in a new plan.
  • If there are employees who didn’t have coverage in 2020 (such as part-time employees who didn’t qualify for employer-sponsored coverage), the deadline for the Special Enrollment Period for Qualified Health Plans has been extended until May 15 due to COVID-19. 

We’re providing a toolkit for you to help guide your employer groups through the options they may have for their employees.

Individual Coverage Options Toolkit

 
 
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