If all Meritus policies terminate 12/31/15 and if Meritus does not offer renew or offer new policies in 2016, as we are being led to believe by the AZ Dept. of Insurance, then the loss of individual Meritus coverage is a Qualifying Life Event which will allow individual policyholders to submit an application to another carrier until 12/31 for a 1/1/16 effective date in order to avoid a lapse in coverage.

After 12/15 a paper application must be submitted.

Online applications for 1/1/16 are only accepted up until 12/15.


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