1. Waiving/canceling previously active or upcoming coverage
    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
    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.
    Even if you have not previously sent a coverage, it may have been pulled from the carrier system. Read more about omitted coverage handling or using the Tracking API to pull missing_from_platform enrollments.

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Example Snapshots

Switch plans

Move a member and their dependents from one plan to another

Waive/cancel coverage

Remove a coverage as if it were never active, either to correct a mistake or reflect a changed decision

Remove dependent

Remove a dependent from coverage while the rest of the family remains active

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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.

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When using continue-on-omission

When your omitted coverage policy 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.

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When using terminate-on-omission

When your omitted coverage policy is set to terminate, any coverages not included in the snapshot will be terminated.

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

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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 to the events array to reflect the nature of the change.

Example Snapshot
{
    "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"
        }
    ]
}