Group Health and Marketplace Basics

What this video covers

• Who owns an individual policy versus a common insured group policy, and which documents describe group coverage
• How contributory and noncontributory plans differ based on who pays the premium
• How the age-26 provision protects eligible dependent children, and why student status alone does not extend it
• When birth or adoption opens a special enrollment period, including the minimum 30-day request period
• How COBRA temporarily continues an existing group plan, and how the usual 102% premium ceiling works
• Which health-based protections apply to group medical plans, and how Marketplace plans treat pre-existing conditions
• What Marketplace metal categories describe, and how to calculate deductible and coinsurance costs