Proof of loss of coverage is documentation that shows you are no longer enrolled in a previous health insurance plan and is required in some cases to verify eligibility for HRA reimbursements.
If you are newly enrolling in an ICHRA or QSEHRA, you may be asked to provide this documentation to confirm a qualifying change in coverage.
What is proof of loss of coverage?
Proof of loss of coverage is official documentation that confirms:
You had qualifying health insurance
Your coverage has ended or will end soon
The effective date of your coverage loss
This documentation is used by insurance marketplaces and carriers to confirm eligibility for a Special Enrollment Period.
When do I need to provide proof of loss of coverage?
You may need to provide proof if:
You are enrolling in a new plan outside Open Enrollment
You recently lost employer-sponsored health insurance
You lost Medicaid, Medicare, CHIP, or other qualifying coverage
You are switching from one qualifying plan to another due to eligibility changes
You typically must show that coverage was lost within the last 60 days or will end within the next 60 days.
What documents count as proof of loss of coverage?
You can use any official document that clearly shows your name and coverage end date.
Accepted documents include:
1. Insurance carrier letter
A letter from your insurance company that includes:
Your name
Type of coverage
Date coverage ended or will end
Confirmation of cancellation or termination
2. Employer letter (for job-based coverage)
A letter on company letterhead stating:
Your employer is ending or has ended your coverage
The date coverage ends
Whether employer contributions are changing or stopping
3. COBRA documentation
Documents showing:
COBRA eligibility and start date
COBRA termination date
Employer contribution changes affecting coverage
4. Government program letter
Official documentation from programs such as:
Medicaid or CHIP termination notice
Medicare termination or eligibility change letter
TRICARE or VA coverage end notice
5. Student health plan termination
A letter from your school or insurer showing:
End date of student coverage
Loss of eligibility for the plan
6. Pay stub evidence (supporting documentation)
In some cases, you may submit:
A pay stub showing health insurance deductions that ended
A previous pay stub showing active deductions
What should a valid proof document include?
A valid document must include:
Your full name
Name of the insurance provider or employer
Confirmation of coverage type
Exact date coverage ended or will end
What if I don’t have a loss of coverage letter?
If you do not have a formal letter, you can:
Contact your insurance provider or employer HR department
Request a “Loss of Coverage” or “Coverage Termination” letter
Ask for documentation showing:
Coverage start and end dates
Names of covered individuals
If you cannot obtain documents:
You may be allowed to submit a written explanation
Additional verification may be required by the Marketplace
How do I submit proof of loss of coverage?
Log in to your enrollment or Take Command application portal
Navigate to the document upload section
Select “Proof of Loss of Coverage”
Upload your document(s)
Submit your application for review
What happens after I submit documents?
After submission:
Your documents are reviewed by the Marketplace or carrier
You may be approved for a Special Enrollment Period
Your coverage start date is set based on eligibility rules
If documents are not approved:
You may be asked to submit additional proof
Your enrollment may be delayed or denied
When does my coverage start after approval?
Coverage start timing depends on when you enroll:
If you enroll before your coverage ends → coverage starts after loss date
If you already lost coverage → coverage typically starts the first of the next month after approval
What if I lost coverage because I voluntarily canceled my plan?
Voluntary cancellation does not always qualify as a loss of coverage.
You generally must show:
Involuntary loss (job loss, eligibility change, plan termination)
Or loss of eligibility for the existing plan