The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows you and your family to keep, for a limited time, the group health plan or health insurance you received while employed.
Am I eligible for COBRA?
There are three basic requirements that you must meet in order to have the right to choose COBRA:
The group plan (the health insurance offered by your employer) must be covered by COBRA.
A qualifying event must occur (for example, voluntary or involuntary loss of work, reduction in hours worked, the transition between jobs, death or divorce).
You must be a qualified beneficiary.
If you have the right to continue your medical coverage through COBRA, you will be given at least 60 days to decide if you want to choose it.
How to get COBRA
COBRA requires group health plans to send employees covered by that plan a notice explaining their rights and the COBRA regulations.
The plan must specify when a qualified beneficiary can begin or end coverage.
For more information about COBRA, read an employee guide on health benefits under COBRA.
Where can I get more information or file a complaint about COBRA?
If you have questions or want to file a complaint about your COBRA coverage, please contact your plan administrator or the Employee Benefits Security Administration (EBSA, for its acronym in English).
Note: In some cases, you can change your COBRA coverage to one from the insurance market.