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  1. 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 ...

    • Learn How Cobra Works
    • Find Out If You Are Eligible For Cobra
    • How to Get Cobra Coverage

    COBRA applies to most private sector businesses with 20 or more employees. It requires an employer's group health insurance plan to continue after qualifying life events. These include: 1. Termination or a reduction of a covered employee's hours 2. Divorce or legal separation from a covered employee 3. Death of a covered employee 4. Medicare eligib...

    Three basic requirements must be met for you to be able to elect to continue coverage under COBRA: 1. Your group health plan must be covered by COBRA. 2. A qualifying event must occur. 3. You must be a qualified beneficiary for that event.

    When a qualifying life event happens, you or your employer will notify the health plan. The plan will send an election notice that you will have 60 days to respond to. If you elect to take COBRA coverage, your employer may pay a portion of or the full amount of your insurance premium. To get more information about COBRA benefits, read this publicat...

  2. 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.

  3. COBRA coverage & the Marketplace. When you lose job-based insurance, you may be offered COBRA continuation coverage by your former employer. 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.

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  5. COBRA requires continuation coverage to be offered to covered employees, their spouses, former spouses, and dependent children when group health coverage would otherwise be lost due to certain specific events.

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