I'm working with an employer who has employees who do not work over the summer. They will continue to be covered under the employer's group health insurance plan but must pay for their portion of the premiums which would otherwise come out of their paycheck. We are concerned about what happens if the employee does not pay their portion of the premiums. My understanding is that there is a 30 day grace period under the ACA and that if the policy is canceled for non-payment, the employee is not eligible to re-enroll until the next open enrollment period. My questions are:
1) Is it correct that there is a 30 day grace period under the ACA?
2) If so, do you know what statute or regulation requires it?
3) Can state laws require a longer grace period (I believe they can for individual plans but can't find any information on group plans)?
4) Is it correct that they cannot re-enroll until the next open enrollment? Any cite for that?
Thank you so much for any help you can give me.
