> ## Documentation Index
> Fetch the complete documentation index at: https://docs.noyo.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Waiving/Canceling Coverage

> Waiving coverage is done differently depending on the circumstances and history

1. **Waiving/canceling previously active or upcoming coverage**<br />If a member has active or upcoming coverage, termination/cancellation of that coverage must be explicit and any plan switches or waives must explictly terminate the previous coverage
2. **Waiving with no existing coverage**<br />If a coverage has *never* been in the system, it will be implictly waived. Empty coverage blocks are not required for carriers without coverage for a given household.<Warning>Even if you have not previously sent a coverage, it may have been pulled from the carrier system. Read more about [omitted coverage handling](/docs/members/using-snapshots/omitted-coverage-handling) or using the [Tracking API](/docs/members/tracking/the-tracking-api) to pull `missing_from_platform` enrollments.</Warning>

### Example Snapshots

<CardGroup cols={1}>
  <Card horizontal title="Switch plans" href="/examples/switch-plans" icon="file-code">
    Move a member and their dependents from one plan to another
  </Card>

  <Card horizontal title="Waive/cancel coverage" href="/examples/waive-or-cancel" icon="file-code">
    Remove a coverage as if it were never active, either to correct a mistake or reflect a changed decision
  </Card>

  <Card horizontal title="Remove dependent" href="/examples/terminate-dependent" icon="file-code">
    Remove a dependent from coverage while the rest of the family remains active
  </Card>
</CardGroup>

## During an Open Enrollment Period

For upcoming elections, you do not generally need to provide "empty" coverage blocks for coverages that a member does not choose, whether they are choosing one carrier over another, waiving an entire line of coverage, or waiving coverage for a dependent.

### When using `continue-on-omission`

When your [omitted coverage policy](/docs/members/using-snapshots/omitted-coverage-handling) is set to `continue`, it is important that you provided an `effective_end_date` for each coverage you want to terminate. Because this setting allows you to omit active coverages from a snapshot, it is posible to end up with unexpected surplus coverage. Enrolling a member in a new coverage will not automatically terminate their previous coverage.

### When using `terminate-on-omission`

When your [omitted coverage policy](/docs/members/using-snapshots/omitted-coverage-handling) is set to `terminate`, any coverages not included in the snapshot will be terminated.

<Warning>
  **Terminate by omission is not generally recommended except in very specific use cases.** Please consult with Noyo before using this option.
</Warning>

## Waiving/canceling previously active or upcoming coverage

If you need to waive or cancel coverage for a member *after* you've already sent that coverage in a previous snapshot (or the coverage was already pulled from the carrier system), set the `effective_end_date` to one day before the `effective_start_date`.  This is often used to correct a mistake or reflect a member's changed decision.

Ensure that you add a [relevant event](/docs/members/using-snapshots/event-reasons) to the `events` array to reflect the nature of the change.

```javascript {15-16, 23-24} [expandable] lines theme={"system"}
{
    "snapshot_mode": "current_open",
    "employee": {}, // omitted for brevity
    "dependents": [], // omitted for brevity
    "coverages": [
        {
            "carrier_id": "2d370e0e-fd73-45e0-8828-796d2cacaeef",
            "line_of_coverage": "dental",
            "plan_id": "84a6c0a6-4ae9-484b-ab8d-af1ab6551efe",
            "enrolled_members": [
                {
                    "custom_individual_id": "150D001",
                    "individual_type": "employee",
                    "event_id": "10002",
                    "effective_start_date": "2023-04-01",
                    "effective_end_date": "2023-03-31",
                    "latest_change_effective_date": "2023-03-20"
                },
                {
                    "custom_individual_id": "150D0C2",
                    "individual_type": "dependent",
                    "event_id": "10002",
                    "effective_start_date": "2023-04-01",
                    "effective_end_date": "2023-03-31",
                    "latest_change_effective_date": "2023-03-20"
                }

            ]
        }
    ],
    "events": [
        {
            "id": "10002",
            "date": "2023-03-20",
            "type": "coverage",
            "reason": "offline_change"
        }
    ]
}
```