Ask your proposed insurer about exemptions for demonstrating proof of primary insurance from another source. Most often, the 100% rule applies to "100% of part

Ask your proposed insurer about exemptions for demonstrating proof of primary insurance from another source. Most often, the 100% rule applies to "100% of participants eligible to receive coverage" and already receiving coverage from another source--like Medicare or an employer plan from a spouse--makes someone "ineligible." (FWIW, the 100% rule is to avoid adverse selection where the employee will not sign up until becoming ill, so the plan receives no premiums from the employer. I've also heard that some insurers do it to avoid potential liability if a person does try to make a claim on the grounds that no reasonable individual would intentionally decline "free" insurance from his or her employer.)