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Depending on the circumstances, you and your family members may have the right to enroll in a group health plan offered through your job or your spouses job, even if neither you nor your spouse is presently enrolled in the plan. In addition, the law limits pre-existing condition exclusions for children under 18 years of age who are adopted or placed for adoption. For information on these special rules, see Questions and Answers: Recent Changes in Health Care Law.
Before deciding which coverage best meets your needs, you may want to consider the different kinds of coverage available to you and your family.
Which type of coverage would you like to consider?