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The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked ...
- Participant Rights
Employees participating in retirement and health benefit...
- Compliance Assistance
Multiple Employer Welfare Arrangements Under ERISA (MEWA) –...
- Portability
The Health Insurance Portability and Accountability Act...
- Plan Information
An Employee's Guide to Health Benefits Under COBRA COBRA...
- Fiduciary Responsibilities
COBRA gives workers and their family members who lose their...
- ERISA
The Employee Retirement Income Security Act of 1974 (ERISA)...
- Health Benefits Education
The U.S. Department of Labor's Health Benefits Education...
- U.S. Department of Labor
Explore COBRA continuation coverage options, eligibility,...
- Women's Health and Cancer Rights
The Women's Health and Cancer Rights Act (WHCRA) includes...
- Mental Health Benefits
The Mental Health Parity and Addiction Equity Act (MHPAEA)...
- Participant Rights
- Continuity in Coverage
- Coverage For Dependents
- Avoiding A Lapse in Coverage
- Generous Time to Enroll
- Long-Term Coverage Is Available
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Generally, your coverage under COBRA will be the same coverage you had while you were an employee. This is helpful if you would like to continue to see your same doctors and receive the same health plan benefits.
Your dependents (i.e., spouse, former spouse or children) are also eligible for COBRA coverage, even if you (the former employee) do not sign up for COBRA coverage.
COBRA can help those who need health coverage during the time between losing job-based coverage and beginning other health coverage.
You have 60 days to enroll in COBRA once your employer-sponsored benefits end. Even if your enrollment is delayed, you will be covered by COBRA starting the day your prior coverage ended. You will receive a notice from your employer with information about deadlines for enrollment.
While COBRA is temporary, in most circumstances, you can stay on COBRA for 18 to 36 months. This coverage period provides flexibility to find other health insurance options. However, the plan may require you to pay the entire group rate premium out of pocket plus a 2% administrative fee, so cost is an important consideration when exploring COBRA as...
COBRA is a law that lets you keep your employer-sponsored health insurance for a limited time after certain life events. Learn about COBRA eligibility, benefits, costs, and how to enroll.
COBRA, the Consolidated Omnibus Budget Reconciliation Act, lets qualified workers keep their group health insurance for a limited time after a change in eligibility.
If you’re losing job-based coverage and haven’t signed up for COBRA, learn about your rights and options under COBRA from the U.S. Department of Labor. If you decide not to take COBRA coverage, you can enroll in a Marketplace plan instead.
Sep 19, 2023 · COBRA provides coverage for at least at least 18 months (to a maximum of 36 months), giving you time to find more permanent coverage. COBRA makes it easier to keep your existing doctors and pharmacists who might be out of network when you switch to a new plan.
Aug 23, 2022 · COBRA insurance is one way to keep coverage, but it comes with a hefty cost. It’s smart to know the pluses and minuses of COBRA health insurance, how much it costs, how to qualify, the...
COBRA is a federal law that allows you to keep your group health plan coverage for a limited time after certain life events, such as job loss or divorce. Learn about your rights and responsibilities, the duration and cost of coverage, and other options for health insurance.