During the grace period after Medicaid loss, what is true about cost-sharing?

• A. They are not required to pay cost-sharing
• B. They will receive full coverage without cost-sharing
• C. They are responsible for plan cost-sharing
• D. They will be disenrolled automatically after the grace period

Answer: (C)

In this situation, cost-sharing is governed by the new plan you’re in, not by Medicaid. When Medicaid ends, you’re on a private plan (often through the Marketplace or another insurer), and that plan sets its own copays, coinsurance, and deductibles. The grace period exists to give you time to pay any due premiums and stay enrolled, but it does not waive the plan’s cost-sharing requirements. So, you would be responsible for the plan’s cost-sharing during that period; Medicaid’s cost-sharing no longer applies because you’re no longer enrolled in Medicaid. The other ideas—having no cost-sharing, getting full coverage without cost-sharing, or automatic disenrollment during the grace period—don’t reflect how cost-sharing works in this transition.