LOSS OF COVERAGE
If you or someone in your household recently lost or expects to lose qualified health insurance coverage, you may qualify for a tax credit and be eligible to enroll in coverage through Your Health Idaho.
You may qualify for a Special Enrollment Period if you have experienced one of the following Qualifying Life Events in the last 60 days:
- Loss of employer (or spouse’s employer) coverage
- Exhaustion of employer-sponsored COBRA or PERSI benefits
- Loss of a student health plan
- Dependent turns 26 and ages out of their parent or guardian’s insurance plan
- Death of the primary subscriber
You may qualify for a Special Enrollment Period if you have experienced the following Qualifying Life Events in the last 90 days:
- Loss of government coverage such as Medicaid, CHIP, Medicare, Tricare, or Peace Corps coverage
To report your change, you must provide verification to document your event. Accepted documents include:
If you lost employer or government-sponsored coverage:
- Non-editable letter (PDF) from the previous employer (letter must clearly state that employment termination resulted in a loss of coverage and include the insurance coverage end date, carrier, plan name, and name of employee/individual losing coverage)
- Dated letter of fund exhaustion from PERSI (sent three months prior to exhaustion of funds)
- COBRA notice of termination of employer contribution to enrollment
- Employer letter of exhaustion of contribution to COBRA enrollment
- Proof of SHIP coverage and a letter from the university confirming the loss of coverage due to semester completion, or graduation
- Termination letter from your health insurance company
- Termination letter from a government provider (e.g., Medicaid)
If you turned 26 and aged out of your health insurance coverage:
- Provide documentation of previous coverage and age.
If you lost coverage because the primary tax filer in your household is deceased:
Provide documentation of previous coverage and one of these documents to prove eligibility:
- Copy of death certificate
- Signed affidavit
- Newspaper obituary
- Mortuary notice
If your hardship exemption was canceled
- Provide a copy of the Health and Human Services exemption certification.
You have 60 days to report your Qualifying Life Event, provide documentation, make changes, or select and enroll in a plan. If you lose government healthcare such as Medicaid or CHIP you have 90 days to complete the process.
If you have questions or would like more information, contact Your Health Idaho at 855-944-3246 or visit the Find Help page to find a local certified agent whose assistance is at no cost.