State RegulationsFL specificDifficulty 2/5
During a period of continued group health coverage after an employee's termination in Florida, who is responsible for paying the premium?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
When group health coverage is continued after loss of employment, the person electing continuation — the former employee or covered dependent — is responsible for paying the premium to keep the coverage in force; neither the employer nor the insurer must subsidize or waive it. Under Chapter 627, Florida Statutes, continuation preserves access to the group coverage, not free coverage. A new employer has no automatic liability for another employer's continued plan.
Why the other options are wrong
- B) The former employer need not absorb the cost indefinitely; the individual who elects continuation pays to keep it.
- C) Insurers do not waive premiums during continuation periods.
- D) A new employer is not automatically liable for continuation premiums of an unrelated former plan.
Memory hook
Keep the plan, pay the premium.