In New Jersey, how long can a small group health plan require continuance of prior credible coverage without a gap?

In New Jersey, a small group health plan can require the continuance of prior credible coverage for a maximum of 90 days without a gap. This provision allows individuals who are transitioning between health plans to maintain their health insurance coverage seamlessly, thereby ensuring they are not left without necessary health benefits during the transition period. This regulation is part of efforts to protect consumers from gaps in coverage that could lead to significant financial risk or health consequences.

The limit of 90 days is designed to strike a balance between allowing sufficient time for the enrollment process while preventing excessive delays that could leave individuals vulnerable. In the context of healthcare, it is crucial for individuals to have continuous coverage, especially if they require ongoing medical treatment. The 90-day requirement helps facilitate this continuity by ensuring individuals have a reasonable timeframe to transition to a new plan without interruptions in their coverage.