My wife and I are moving and starting new jobs very soon. She leaves her current job on 10/9 and I leave mine 10/16. We plan to enroll together under my future employer's health insurance plan when I start 11/9 however coverage would not start until 12/1.
I know there are penalties under ACA for not having coverage but I also understand there are exemptions. If I've read this right, at https://www.healthcare.gov/fees-exemptions/exemptions-from-the-fee/ for 2015 we would be exempt from the penalty for being uninsured for no more than 2 consecutive months (we've been fully covered so far this year).
Am I correct in that the penalty won't apply? We would thus only be w/o coverage from 10/9 & 10/16 respectively (on separate plans now b/c we had both hit our deductibles before we got married). We will probably get some kind of short term coverage that wouldn't meet ACA's minimum requirements but at least backstop us if something bad were to happen.
Colin I would contact Assurant. They offer a short term major medical plan that would cover your 2 or 3 month gap. This way, you wouldn't need to be concerned with a gap in coverage should something occur. I believe you could apply on-line.
Tom Doncaster CLU, CWM, RFC
Despite the lack of penalty, I would strongly suggest enrolling in Cobra for this brief period