If someones coverage lapsed due to non-payment of premiums – how do they reinstate coverage and how long do they have to do this.
Non-payment is the only way, aside fraud, to get your health plan dropped. Generally you have no less than 31 days to make a payment while your plan still pays claims.
You then have a 60 day window (Marketplace plans only) in which you can make good on your payments, but your insurer can deny claims. This is the general rule, but your insurer will help provide clarification. So generally the answer is call them immediately and offer payment.
If you feel you have been dropped unfairly you have lots of appeal rights that you can set in motion immediately as well.
If you don't have any pressing medical needs, and do get dropped from your plan, you don't qualify for special enrollment. Non-payment is about the only thing that doesn't trigger special enrollment. However, there are lots of life events that do so brush up on those if you find yourself in that position.
If you are upset because your plan got cancelled, or just want to help us make a difference, check out: Health Insurance Cancellation Reform for Non-Payment.