COBRA Continuation Coverage

COBRA: A way to keep your health coverage.

If you’ve lost your job, had your hours reduced, or experienced other qualifying events, you may be able to keep your job-based health coverage.

The Consolidated Omnibus Budget Reconciliation Act, or COBRA, is a federal law that allows workers and their families to temporarily keep their health coverage in certain situations.

Stay Proactive, Stay Covered.

Protect your benefits when you need them most. Discover how COBRA election ensures continuous health coverage. Watch the video now to stay informed and take control of your options.

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Benefits and protections

  • Allows you to keep your health coverage.

    COBRA typically lets you keep the same health benefits you had while employed--including access to your doctors and similar costs for prescriptions. However, cost is an important consideration when electing COBRA. You usually pay the full premium amount, unless your employer agrees to cover some or all of it as part of your separation. However, cost is an important consideration when electing COBRA. You usually pay the full premium amount, unless your employer agrees to cover some or all of it as part of your separation.

  • Extends coverage for dependents.

    Spouses and children may enroll in COBRA--even if you, the former employee do not.

  • Avoids a lapse in coverage.

    COBRA helps you keep coverage between jobs other life events, so you don't go without care before enrolling in a new plan.

  • Gives you generous time to enroll.

    You have 60 days to enroll in COBRA, starting when your job-based coverage ends or when you receive a COBRA election notice--whichever is later.

  • Ensures long-term coverage is available.

    COBRA provides temporary coverage to you and your dependents--usually up to 18 months. Certain life events can extend it to 36 months.