4 ms·
Not in any huge way that I see. She was on employer provided insurance, which won't undergo any huge changes that would change her situation. After the FMLA ti
by lftl 13y ago
Not in any huge way that I see.
She was on employer provided insurance, which won't undergo any huge changes that would change her situation. After the FMLA time period (where her employer could keep her on their insurance without her paying extra), she's now on COBRA which is basically an additional period where you can pay the full cost of your employer's plan to the insurance company directly, and extend your coverage by 18-36 months.
The only difference under the ACA is that if she became unemployed during the annual open enrollment window, then she would be able to immediately jump to individual insurance rather than using COBRA. Depending on her income level, she might be eligible for a subsidy if she made the change. So depending on income, her state's insurance market, and when she gets sick she might be able to get insurance for less than $1000/mo she's paying in COBRA premiums.
- anactualmd 13y agoMy understanding is that Cobra becomes available after termination. Therefore, she's already unemployed.
- free652 13y agoKinda. My GF can get a cobra during an unpaid leave. So my GF is expecting a baby in December, so for the 6 months she has discounted healthcare and then if she doesn't come back. She gets unpaid leave and Cobra. Technically she wont be terminated, but she will have Cobra.
- lftl 13y agoCOBRA is available immediately once you're unemployed (left voluntarily or most of the time if you're fired), and it will still be the only short-term option for someone in Molly's position under the ACA. If you become unemployed and ill, you'll still need COBRA to cover you until you can get on an individual plan which will be available at the start of the next calendar year.
- raelshark 13y agoMy understanding is that she wouldn't be able to jump to individual insurance given her health status until pre-existing condition coverage kicks in this January.