What happens if I don’t enroll when I am initially eligible?
If you do not enroll in the small employer group health insurance plan when you are first eligible, and decide to get the coverage later, then you will be considered a late enrollee.

In some instances, an employee may waive coverage under a small employer group, because he has other coverage. If that coverage is later lost, then that employee will not be considered a late enrollee if all of the following requirements are met:
  • The employee was covered by qualified previous coverage at the time he waived initial enrollment in the employer’s group plan.
  • The employee lost that qualified previous coverage as the result of termination of employment or eligibility, the involuntary termination of qualifying previous coverage, death of a spouse, or divorce.
  • The employee requests enrollment in the employer group health plan within 30 days of the termination of the qualifying previous coverage.

Health Insurance - Small Employer Availability Act

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1. What is the purpose of the Small Employer Health Insurance Availability Act?
2. Who is eligible?
3. What happens if I don’t enroll when I am initially eligible?
4. What happens if I am a late enrollee?
5. Can a pre-existing condition be excluded from coverage under the Small Employer Health Insurance Availability Act?
6. What is creditable coverage under Health Insurance Portability and Availability Act of 1996 (HIPAA)?
7. Does a husband and wife constitute a group?
8. If my group purchases a guaranteed issue policy from one insurer, does that policy cost the same through all insurers?
9. Can an employer offer coverage only to a certain classification of employees?
10. Which insurers are marketing the guaranteed issue products?
11. Whom do I contact if I have more questions?