"Loss-of-Coverage" or "Disenrollment" letter.  (Whether or not receiving benefits subsidized by HPInc or HPE.)

Menu of Benefits Enrollment pages: Enrollment Menu 

Based on reports from HP Alumni Association members who have completed enrollment. Join forums: https://www.hpalumni.org  Not officially endorsed or supported. Question? Email us: info@hpalumni.org  (Updated Dec 4, 2025)

Deadline extended if losing your health plan (because HPInc or HPE dropped your group plan -- or because your current insurer in no longer offering plans in your county) you have another week or two after the Dec 7 national policy-change deadline to buy a plan for 2026. Buy your new policy well before Dec 31 to avoid having a gap in coverage due to delays or errors. If you join a new plan after Dec 31, coverage in the new plan won't start until the month after you join. (As stated in the notice from your current insurer.)

Correction: RRA subsidy without purchasing from AlightRHS. https://www.hpalumni.org/enroll-rra-workaround

Trap: If asked detailed health questions, STOP! How to prevent "medical underwriting." https://www.hpalumni.org/enroll-guaranteed-issue

Find your "Loss-of-Coverage" or "Disenrollment" letter online before US Mail.

The group plan insurer -- UnitedHealthcare for many HPInc and HPE people -- will send the loss-of-coverage letters via postal mail.

Note: If you chose to receive email instead of postal mail from your insurer, members report that you may get your loss-of-coverage letter buried in an email that looks like a normal monthly benefits notice.

UnitedHealthcare. If you have an HPInc group plan from UHC

The wording of the loss-of-coverage letter from UnitedHealthcare is rather abrupt, but is carefully worded in Medicare language: "We’re writing to let you know that HP chose to end your medical and prescription drug coverage because you no longer meet the eligibility requirements."

Note that the loss-of-coverage letter from UHC -- notifying you that you will no longer have an HPInc or HPE group plan -- invites you to buy a UHC Advantage plan -- but makes no mention of UHC's Medigap plans. Insurance companies want to sell the more profitable Advantage plans instead of Medigap plans .

Members report that if your existing group policy is at UHC -- and you are purchasing an individual open-market policy from UHC -- you do not need to forward the letter from UHC about your disenrollment from the UHC group plan. Apparently UHC's system is smart enough to deal with that.

Or, you can find your UHC "Loss-of-Coverage" or "Disenrollment" letter online.

Log in to https://retiree.uhc.com/hp

Click "Coverage & benefits"

Then "Plan documents & resources"

Scroll down to "My documents"

Click "Search Documents"

Look in "Coverage Letters"

Mutual Of Omaha:

The application process on the MoO site displays this page: https://www.hpalumni.org/MoO-GuaranteedIssue.png

The page asks "Are you applying during a Guarantee Issue Period?"

If you check "Yes" -- it asks: "Do you have one of the following plans, and that plan is ending? ...an employer Group Health Plan (including a retiree or COBRA Coverage plan)..."

If you check "Yes"-- it says:

"If your group health plan is ending through no action of your own you'll always qualify. In your state, you're NOT eligible if you're disenrolling voluntarily."

and "Good news, it looks like you are eligible for a guarantee issue period!"

and then gives instructions on how to upload your documentation.

Next step: Menu of key Enrollment issues: https://www.hpalumni.org/enroll-menu (Membership not required.)

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