Health Insurance Portability — Breaking Up Safely
Health insurance used to be like a bad marriage—you stayed because leaving meant losing all your “Waiting Period” credits. Today, portability allows you to switch insurers without losing the “vintage” you’ve earned.
- Portability vs. Switching: Why carrying forward your benefits is different from just starting a new plan.
- The 45-Day Rule: Why you must start the porting process at least 6 weeks before your policy expires.
- The Continuity Shield: Why you should never cancel your old policy until the new one is active in your inbox.
Watch this video to learn how to escape a bad health insurer without resetting your 3-year clock.