No waiting period will be imposed if health insurance was discontinued for any of the following reasons:
- Insurance was lost because the individual providing coverage died
- Insurance was lost because the family member who carried insurance changed jobs or stopped employment due to a layoff, reduction-in-force, or the closure of a business
- The employer stopped contributing to the cost of family coverage
- The child's coverage was discontinued by an insurance company for reasons of uninsurability
- Insurance was discontinued by a family member who was paying the full cost of the insurance premium under a Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) policy
- Voluntary termination of coverage by a non custodial parent.
- The previous health insurance coverage exceeds 10% of the family's gross monthly income, or exceeds 10% of the family's gross monthly income at the time the insurance was dropped