The Affordable Care Act (ACA) changed a lot of things about the health insurance market in the United States. Among them: It granted some more options to those who had pre-existing conditions but who lost their access to a workplace plan because of job loss, layoff, benefit reduction or divorce.
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This type of COBRA event is trigged by divorce, a child aging off the plan, death of employee and in some instances Medicare entitlement. Coverage is offered only to the spouse or children losing access to coverage and allows participants to maintain COBRA for 36 months.