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To qualify for additional months of COBRA continuation coverage, the qualified beneficiary must: Your health insurance company or group health plan is required to provide you with an easy-to-understand summary about benefits and coverage.This requirement is designed to help you better understand and evaluate your health coverage choices.This rule applies to all plans in the individual market.Note that state law requirements may require offering coverage beyond age 26.Certain qualifying events, or a second qualifying event during the initial period of coverage, may permit a beneficiary to receive a maximum of 36 months of coverage.

Health plans will be prohibited from denying coverage to children with pre-existing conditions.Some of the law’s changes are already in effect, such as the prohibition on pre-existing condition exclusions for individuals under age 19.Other key changes went in effect in 2014, such as the requirement for individuals to buy health coverage or pay a penalty. Nothing in the law requires individuals to terminate coverage that they had on the date the law was passed.The health care reform bill was signed into law in March 2010.The changes made by the health care reform law go into effect over a period of years.

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