How to Sign Up

Talk to the employer’s Human Resources department to learn the rules for signing up for health coverage. Employees might have to work for a certain period of time, called the waiting period, before they can sign up. The waiting period cannot be longer than 90 days.

It’s important to sign up for coverage when it is first offered, otherwise you may have to wait until the next annual open enrollment period, which is usually near the end of the year. Certain changes in family or coverage status may trigger a special enrollment period. For example, if you get coverage through your employer and get married or have a child, your new spouse or baby will be allowed to sign up with your employer-sponsored coverage.

Keeping Your Coverage When You Are Temporarily Not Working

The Family and Medical Leave Act (FMLA) lets employees take unpaid leave for certain family and medical reasons, such as the birth of a child or to care for a sick family member. FMLA gives employees that meet certain conditions up to 12 weeks of unpaid leave each year and also protects group health benefits during that leave. If an employee goes on FMLA leave, their employer must continue to provide the same coverage, at the same cost, that the employee would get if they were working. Read more about the FMLA.

The Uniformed Services Employment and Reemployment Rights Act (USERRA) protects the employment and health care coverage of people who serve in the uniformed services. It allows for health benefits to continue for up to 24 months when a person is not working because they are serving in the uniformed services. The U.S. Department of Labor Veterans’ Employment and Training Service (VETS) has more USERRA information.

Options When You Lose Eligibility for Your Employer-Sponsored Coverage

If an employer or former employer no longer gives you health care coverage because you, your parent, or your spouse was laid off, quit, or had hours reduced, there are different coverage options for you. Look into all of them and see which makes the most sense for your situation.

Other Employer-Sponsored Coverage

If you lose your employer-sponsored coverage, but have a spouse who could get coverage for you through their job, or if you are under 26 and you have a parent who could get employer-sponsored coverage for you, look into those. If you are in that situation, your loss of health coverage creates a special enrollment period that would allow you to sign up for those plans, even if it is not regular open enrollment time.

Note: If you are in this situation, you may not qualify for government help to pay for an individual plan on Georgia Access.

Public Coverage or Individual Coverage Through Georgia Access

Your most affordable options may be on Georgia Access. That’s because if you lose your job, or your spouse or parent loses their job, your family income probably goes down significantly and you may qualify for programs or help that you previously didn’t qualify for. Depending on your situation, you may now qualify for Medicaid or government help paying for an individual plan through tax credits. Check out DB101’s other health coverage articles to learn more about these options.

COBRA, Georgia Continuation Coverage (Mini-COBRA), and OBRA

COBRA is a federal law that covers employees of businesses with 20 or more employees. Georgia has a state continuation coverage law that is similar to COBRA (and is sometimes called mini-COBRA) which covers people who work for employers with 1 to 19 employees. Federal COBRA allows employees and family members to keep getting the same health plan they got through an employer for up to 18 months after losing employer-sponsored coverage because of a qualifying event (most reasons you might lose coverage qualify); Georgia's mini-COBRA allows you to keep getting the same plan for up to three months. The time periods are sometimes different for spouses and dependents.

You will have to pay the entire premium for COBRA, including any amount that the employer paid in the past. Your plan could be a lot more expensive than you realize.

OBRA extends COBRA for up to 11 additional months for people with disabilities. The premium can go even higher (up to 150% of the premium for current employees with the same plan), so this should only be done if you have no other options.

For detailed information, see the U.S. Department of Labor's COBRA website.