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How do I apply for coverage under a group health plan?

There are three different times you can apply for coverage under a group health plan (usually a health plan offered by an employer or employee organization that provides health coverage to employees and their families).
  • You can apply when you first begin a new job and you want to enroll in a plan offered by your new employer.
  • You can apply during your plan's open enrollment period, which happens once a year.
  • You can apply if you experience a "qualifying life event," a change in your life that can make you eligible for a Special Enrollment Period to enroll in health coverage. Examples of qualifying life events are moving to a new state, certain changes in your income, changes in your family size (for example, if you marry, divorce, or have a baby) and gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder.
To apply for a group health plan, talk to the benefits administrator or someone in the Human Resources department of your workplace. Your employer can supply you with the forms you need to complete in order to enroll in your group health plan. Group plans may also be available to you through professional, religious or fraternal organizations. 

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.