Health Workers Are Getting Fired For Refusing The Covid Vaccine
May 2, 2021
October 15, 2021
Thousands of workers across the country have been fired for refusing to comply with an employer’s Covid vaccine requirements — and may now wonder how to replace their workplace health insurance. There are a few options. They’re the same ones available to anyone who loses a job, even for a non-vaccine-related reason, according to health experts.
Typically, enrollment in a workplace health plan happens only once a year, during the annual open-enrollment period near the year’s end. This is when employees can sign up for coverage for the next calendar year.
Condition: Coverage will likely be much more expensive than while employed — and at a time when one’s income has evaporated.
“The concern is the cost associated with it,” said Christopher Moran, partner and employment attorney at law firm Troutman Pepper Hamilton Sanders. “I think most people would be offered the option, but the question would be whether they can afford it.”
Under Cobra, an ex-employee would be on the hook for the full $21,342 — plus an extra 2%. The American Rescue Plan, a pandemic relief law President Joe Biden signed in March, offered free COBRA insurance coverage to the unemployed, but the benefit ended Sept. 30.
Condition: COBRA isn’t available to private-sector businesses with fewer than 20 employees. Some states have laws similar to COBRA, sometimes called “mini-COBRA,” which may apply to smaller employers, according to the Labor Department. The agency recommends checking with your state insurance commissioner’s office to see if such coverage is available.
Affordable Care Act plan
Losing job-based health coverage also qualifies someone for special enrollment in private health plans through an Affordable Care Act marketplace. Plans are available through healthcare.gov. Individuals must choose a plan within 60 days of losing workplace coverage.
Depending on household income, a jobless individual may qualify for subsidized coverage (via premium tax credits or cost-sharing reductions).Beware of the other stuff that’s available. They have all sorts of ways to get out of paying claims.
Condition: Eligibility for the subsidies is based on full-year income. Someone who loses a job in October or November, for example, may not qualify for the aid for 2021 coverage; however, they may qualify when enrolling for 2022 coverage.
Medicaid, a free or low-cost public health program for low-income Americans, weighs one’s current income (as opposed to annual pay) for eligibility. So, the newly jobless may qualify for Medicaid more easily, experts said. (Eligibility is based on total household income.)
Individuals can find out if they qualify by applying through healthcare.gov, as they would for a marketplace plan, Pollitz said.
There are other insurance options available for purchase year-round, regardless of a qualifying event. They include short-term health plans and health-sharing ministries, for example, Pollitz said.
These plans carry less expensive monthly premiums — but don’t often offer comprehensive protection (like maternity care and mental health services) as employer-sponsored or marketplace plans would, Pollitz said. That could leave individuals with big medical bills if they need care. “Beware of the other stuff that’s available,” Pollitz said. “They have all sorts of ways to get out of paying claims. “You are not very well protected under a policy like that, and could end up owing all sorts of medical bills that won’t be covered.”
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