Does your employer have to keep you on the medical insurance policy after quit?

In general, your employer is not required to keep you on their medical insurance policy after you quit. However, there are a few exceptions to this rule.

COBRA

If you are covered by your employer's group health insurance plan, you may be eligible for continued health insurance coverage under the Consolidated Omnibus Budget Reconciliation Act (COBRA). COBRA allows you to continue your employer's health insurance coverage for a limited period of time after you lose your job, usually for 18 or 36 months. However, you must pay the full cost of the premiums, which can be very expensive.

HIPAA

If you have a pre-existing medical condition, you may be eligible for continued health insurance coverage under the Health Insurance Portability and Accountability Act (HIPAA). HIPAA requires health insurance companies to offer coverage to people with pre-existing conditions if they have been continuously covered by health insurance for at least 12 months. However, you may have to pay a higher premium for your coverage.

State laws

Some states have laws that require employers to provide continued health insurance coverage to employees who lose their jobs. These laws vary from state to state, so you should check with your state's insurance department to find out if you are eligible for continued coverage.

Other options

If you are not eligible for continued health insurance coverage through your employer, there are a few other options available to you. You can purchase an individual health insurance policy, join a health insurance cooperative, or enroll in a government-sponsored health insurance program such as Medicare or Medicaid.

It is important to note that the rules for continued health insurance coverage can be complex, and there are many exceptions to the general rules. If you have questions about your specific situation, you should talk to your employer's human resources department or an insurance broker.