Hi. My wife will be retiring the end of this year (yea!). We have 2-3.5 years of health insurance to worry about until Medicare kicks in. Due to the ACA uncertainty, we might just go with her COBRA for 2021, and see what happens with ACA. Daughter turns 26 in April, and is currently under wife's insurance.
So, the questions:
1) If daughter gets on COBRA with us, what happens in April, if anything (will daughter get kicked off, due to ACA rules)?
2) If daughter gets kicked off, would that affect wife and I?
3) If ACA survives, can we switch from COBRA to ACA, say in the summer (after the SCOTUS ruling), or do we have to wait until the end of the year (the next ACA enrollment)?
Thanks. We would ask her HR people these questions, but a) they ain't too swift, and b) they are swamped with all the declared retirees.
So, the questions:
1) If daughter gets on COBRA with us, what happens in April, if anything (will daughter get kicked off, due to ACA rules)?
2) If daughter gets kicked off, would that affect wife and I?
3) If ACA survives, can we switch from COBRA to ACA, say in the summer (after the SCOTUS ruling), or do we have to wait until the end of the year (the next ACA enrollment)?
Thanks. We would ask her HR people these questions, but a) they ain't too swift, and b) they are swamped with all the declared retirees.
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