What is a gap period?

A gap period is a period of time when an individual does not have health insurance coverage. In California, the period of time between losing a health insurance plan and enrolling in another one is considered a gap period. During this time, individuals are not covered and are at risk for incurring unexpected medical bills. This gap period can last anywhere from a few days to several months, depending on the individual’s situation and the type of health plan they’re enrolling in. Under California health insurance law, all individuals are required to be enrolled in a health insurance plan during their gap period in order to avoid a tax penalty. Those who cannot afford to pay for health insurance may be eligible for a subsidy or state health insurance program to help cover the cost of the policy. Also, some employers may offer their employees a short-term health insurance plan during their gap period in order to provide coverage. It is important to be aware of the potential gap period in order to avoid any unexpected medical expenses. Taking the time to compare health insurance plans and find the one best suited for your needs can help you avoid a gap period and keep you covered.

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