Continuous coverage is creditable health insurance coverage without a lapse of more than 62 days during the last 18 months. Technically speaking, the "creditable" part applies to group insurance plans, but most individual carriers will recognize most major medical plans as being creditable.

For most individuals, this issues comes up when they either are about to or already have ended COBRA, but the issue can also arise if they have let their individual coverage lapse for a period of tim...
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