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They do not qualify or want a subsidy. Do they get stuck with employer's inadequate coverage, or can they buy off exchange & just pay for it?
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They do not qualify or want a subsidy. Do they get stuck with employer's inadequate coverage, or can they buy off exchange & just pay for it?
They'd be leaving the job and losing that coverage. Then they want to buy an off exchange plan if new employer's plan stinks.
you cannot leave employer coverage just because the coverage "Stinks" or is costly.
I wasn't aware COBRA or Obamacare required you to get riffed to create a SEP. If you lose your job, regardless of the reason, you have lost coverage.
If you take COBRA, you don't get an SEP.
That was not the reason for my post. PAhealth posted "you cannot leave employer coverage just because the coverage "Stinks" or is costly."
Opting out of the group plan and involuntary loss of coverage are not the same thing.
They are not "opting out of a group plan". They are leaving a job - hence, losing coverage. They wanted to know if they could then buy off exchange - even if a new employer they ended up with later had insurance offered in the workplace but it was lousy. They do not want a subsidy.
I believe they would not have to give up their off-exchange family policy to join the employer based plan - right?