{"id":5,"date":"2026-08-31T15:00:00","date_gmt":"2026-08-31T15:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/kclegacyinsurancesolutions-com\/2026\/08\/31\/us-employers-face-annual-switching-rule\/"},"modified":"2026-08-31T15:00:00","modified_gmt":"2026-08-31T15:00:00","slug":"us-employers-face-annual-switching-rule","status":"publish","type":"post","link":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/2026\/08\/31\/us-employers-face-annual-switching-rule\/","title":{"rendered":"US Employers Face Annual Switching Rule"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/keith-williams-4\/birthday-rule-employers-remotion-videos\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Several states have adopted an annual switch window letting supplement plan holders change coverage near birthdays without health underwriting or denial risk.<br \/>\nThe rule stays narrow: it helps existing supplement enrollees only, not people without coverage or those using private plan options today.<br \/>\nEmployers can add value during retirement off-boarding by checking for coverage gaps before older employees leave group health benefits and make federal coverage decisions.<br \/>\nA strong checklist covers enrollment windows, supplement versus private plan differences, delay consequences, and when a licensed specialist should guide choices personally.<br \/>\nThe rule is expected to reach more states, making coverage literacy a stronger benefits strategy than waiting until exit interviews at retirement.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Several states have adopted an annual switch window letting supplement plan holders change coverage near birthdays without health underwriting or denial risk. The rule stays narrow: it helps existing supplement enrollees only, not people without coverage or those using private plan options today. Employers can add value during retirement off-boarding by checking for coverage gaps [&hellip;]<\/p>\n","protected":false},"author":207,"featured_media":33,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/posts\/5","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/users\/207"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/comments?post=5"}],"version-history":[{"count":0,"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/posts\/5\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/media\/33"}],"wp:attachment":[{"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/media?parent=5"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/categories?post=5"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/tags?post=5"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}