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COBRA generally requires that group health plans sponsored by employers with 20 or more employees in the prior year offer employees and their families the opportunity for a temporary extension of health coverage (called continuation coverage) in certain instances where coverage under the plan would otherwise end.
Explore COBRA continuation coverage options, eligibility, and benefits for workers, families, and advisers under HIPAA regulations.
COBRA eligibility has three basic requirements that must be met for you to get a continuation of coverage: Your group health plan must be covered by COBRA. A qualifying event must occur. You must be a qualified beneficiary for that event. How to get COBRA coverage.
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.
Sep 19, 2023 · Key takeaways. Under COBRA, if you lose or quit your job, you can stay enrolled in the health plan you already have through your employer for a limited time. Depending on your situation, COBRA coverage may be expensive, and you may wish to consider alternatives for health coverage.
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.
COBRA insurance allows you to keep your health care coverage when you lose coverage due to a job loss or change. Learn about COBRA insurance coverage and costs.
