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If you lose or leave your job and cannot get health insurance in other ways, COBRA can allow you to keep your workplace health insurance for a while longer.
Disclaimer: The American Cancer Society does not offer legal advice. This information is intended to provide general background in this area of the law.
COBRA, or the Consolidated Omnibus Budget Reconciliation Act, allows employees to keep their workplace health insurance for a limited time after leaving their job.
You may be eligible for COBRA if you:
You can usually keep this insurance for up to 18 months, sometimes longer.
The ACA (sometimes called Obamacare) offers affordable health insurance options, including for those with serious conditions like cancer. State insurance marketplaces offer options for people without employer health coverage. Depending on your situation, buying insurance through the Marketplace might cost less than COBRA.
Compare your COBRA group plan to individual health plans from your state’s Marketplace. Keep in mind that if you’ve lost your job and now have a lower income, you might qualify you financial help. You’ll also have a special enrollment period for buying a Marketplace plan.
If you choose COBRA, your employer might require you to pay the full cost of your health care premium plus a 2 percent administrative charge, which could be higher than what you’re used to. Be prepared to cover these costs.
If you choose a new plan through the Marketplace, your payments toward your deductible or out-of-pocket maximums will reset and go back to zero. However, if you choose COBRA, whatever you have contributed for the plan year will carry over.
If you don’t choose COBRA, the loss of your coverage triggers a special enrollment period on your states Marketplace. You can enroll in a Marketplace plan at that time, even if it’s outside the normal open enrollment period. You’ll have 60 days as a special enrollment period.
If you choose COBRA, it’s important to be aware of the risks of stopping it before it runs out. You’ll want to coordinate the start of your new coverage, so you don’t have a gap in coverage while getting treatment or follow-up care.
If you’re eligible for both Medicare and COBRA, think about which program suits your needs best. Choosing COBRA coverage and not enrolling in Medicare might lead to late enrollment penalties.
The duration of your COBRA coverage depends on your qualifying event. You can usually keep COBRA coverage for up to 18 months after a qualifying event.
A qualifying event is something that causes you to lose your group health coverage and allows you to qualify for COBRA coverage.
The group health plan administrator must receive a notice of the qualifying event in a qualifying event notice. You can learn more about qualifying events on the US Department of Labor COBRA website.
Within 14 days of getting the qualifying event notice, you should receive an election notice. This notice gives detailed information about COBRA coverage, including how to continue it.
You have 60 days after getting the election notice to choose health insurance coverage under COBRA. You must notify the COBRA administrator listed on your COBRA election notice in writing if you want to keep your health insurance under COBRA.
You’re eligible for COBRA coverage if you were covered under the group health plan the day before your qualifying event. This rule applies to your spouse and covered dependents as well.
US Department of Labor, Employee Benefits, Security Administration (EBSA)
State Health Care Marketplaces – US Department of Health and Human Services
US Department of Health and Human Services – healthcare.gov
Centers for Medicare & Medicaid Services (CMS) – HHS
National Association of Insurance Commissioners (NAIC)
Patient Services Incorporated (PSI) offers financial aid to people with certain types of cancer and helps them find and buy health insurance.
*Inclusion on this list does not imply endorsement by the American Cancer Society
Our team is made up of doctors and oncology certified nurses with deep knowledge of cancer care as well as journalists, editors, and translators with extensive experience in medical writing.
Employee Benefits Security Administration (ESBA). An employee’s guide to health benefits under COBRA. U.S. Department of Labor. Accessed September 14, 2023. https://www.dol.gov/sites/dolgov/files/legacy-files/ebsa/about-ebsa/our-activities/resource-center/publications/an-employees-guide-to-health-benefits-under-cobra.pdf.
Employee Benefits Security Administration (ESBA). Continuation of health coverage (COBRA). U.S. Department of Labor. September 2022. Accessed September 14, 2023. https://www.dol.gov/general/topic/health-plans/cobra
Last Revised: September 30, 2023
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