During what time frame must an individual convert their group plan to an individual plan after termination?

When an individual terminates their employment or their group health insurance plan is otherwise terminated, they typically have a specific time frame to convert their group policy to an individual policy. In most cases, this period is set at 31 days. During this time, individuals are given the option to convert their group health insurance coverage to an individual policy without having to provide evidence of insurability, which means they won't be denied coverage based on health issues.

This conversion option is a critical benefit as it offers ongoing coverage after the group plan ends, helping individuals maintain their health insurance and avoid potential gaps in coverage that might otherwise occur. Understanding this time frame is important for ensuring that individuals do not miss the opportunity to transition their coverage seamlessly.