Health Insurance Covering Period

Forum|Forum|1 year ago
March 21, 2025
1 reply
0 views

My daughter got a new job, but the employer's health insurance did not kick in until 90 days later. Are these 90 days is considered no health insurance coverage for her? (This is CA Tax question)

Vanessa A

It depends. In order to qualify for the Short Gap exemption, it must be LESS than 3 consecutive months. So, if she started work on December 22 and was covered by March 22, this would meet the short gap exemption as it is LESS than 3 months. If she did not have insurance for any day in 3 consecutive months, then this would not qualify and she would be subject to the penalty.

**Say "Thanks" by clicking the thumb icon in a post**Mark the post that answers your question by clicking on "Mark as Best Answer"

Parinayakosol_5225Author

Got it, thank you.

Parinayakosol_5225Author

I discussed with my daughter on the answer, and she had additional questions. These are the detail of her situation.

1) She worked with company A until 4/25/2024 (1095-B indicated she had insurance until then)

2) She was hired by company B in 7/18/2024 and received no insurance until 10/8/2024.

Question #1 -Does CA consider the period from 4/25/2024-10/8/2024 as no insurance coverage? Her 1095-C from the company B indicate that she had insurance in October 2024 (the coverage kick in after 90 days).

3) She quitted from company B and got a job with company C on 10/10/2024 but has no coverage from company C until 1/10/2025.

Question #2 -Is she qualified for Short Gap Exemption from 10/10/2024-12/31/2024 (She is now has coverage with the current company)?

I need to determine her no-coverage for CA.