Free Group Health Insurance Study Guide
Utah Life, Accident & Health exam — Group Health Insurance.
Federal COBRA, HIPAA and the ACA are covered in the national Group Health Insurance guide. Utah adds a state continuation law, often called mini-COBRA (31A-22-722). It also has its own small-employer definitions and group policy rules. This guide covers those.
Utah mini-COBRA (31A-22-722)
| Item | Utah rule |
|---|---|
| Length | 12 months under the employer's group policy |
| Premium | Up to 102% of the group rate, including the employer's share. No other fees. |
| Eligibility | The employee must have been covered for 3 months in a row just before termination. Not available to someone eligible for federal COBRA. |
| Employer notice | Sent by first-class mail within 30 days after group coverage ends |
| Election | Within 60 days of losing coverage, with the premium |
| If the employer gives no notice | The insurer must offer the extension if the person contacts it within 60 days |
Group policy rules
- Group formation: a group must be formed and kept in good faith for a purpose other than obtaining insurance (31A-22-701).
- Grace period: at least 30 days, and the policy stays in force during it (31A-22-607).
- Termination notice: the policyholder must notify each member 30 days before the group policy ends, along with continuation rights (31A-22-716).
- Unpaid premium: an insurer can end its liability by notice. It can't notify certificate holders until 20 days after the premium is due and unpaid (31A-23a-410).
- Wellness discounts to employer groups can't exceed 20% of premium and must be offered uniformly (31A-23a-402.5).
- Former spouses: coverage ends only on a divorce, separation or annulment decree. A former spouse who applies within 30 days of notice gets individual coverage without proof of insurability (31A-22-612).
Small employers (31A-1-301)
- Small employer: had at least 1 and no more than 50 eligible employees in the prior calendar year.
- Eligible employee: works full time, with a normal week of 30 hours or more.
- Small-employer plans use a uniform application with no health history questions (31A-22-635).
Common exam traps
- Mini-COBRA: 12 months at 102%. It requires 3 months of prior coverage and isn't available to anyone eligible for federal COBRA.
- The employer notice is due within 30 days. The election is due within 60 days.
- Group grace period: 30 days, with the policy in force.
- A Utah small employer has 1–50 eligible employees.
Practice Group Health Insurance questions All Life, Accident & Health topics
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
