COBRA Eligibility Explained: Take Our Survey to See if You Qualify for Continuation Coverage
You must meet certain criteria to be eligible for COBRA. You must have been enrolled in your employer’s health plan while working.
The health plan must still be active for current employees and a qualifying event must occur that would cause you to lose your employer-based healthcare coverage.
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Find Out If You Are Eligible For COBRA
Complete this survey to find out if you are eligible for a COBRA open enrollment period.
Not all qualifying events that may end workplace health insurance are included. It is intended to be helpful.
Did You Qualify?
If you’re eligible for COBRA coverage and interested in getting it, you’ll have an open enrollment period. Once your insurance stops, you’ll receive an election notice within 45 days, inviting you to apply for COBRA to continue on your most recent work plan. If you want to keep your previous group health plan coverage, you’ll have 60 days to respond and complete the application process.
Eligibility For COBRA Insurance
To be eligible for COBRA, you must meet the following requirements:
- You must have been covered by a group health plan sponsored by an employer with 20 or more employees in the prior year.
- You must have lost your coverage because of a qualifying event.
- You must notify the health plan administrator of your qualifying event within 60 days of the event.
- You must pay the full premium for your coverage, plus a 2% administrative fee.
Qualifying Events For COBRA
A qualifying event is something that happens that changes your eligibility for health insurance. Some common qualifying events include:
- Losing your job
- Having your hours reduced
- Getting divorced or widowed
- Having a child
- Turning 26 and losing your coverage through your parents’ plan
Qualifying Events For Employees In The Workplace
These events apply to the covered individual who holds employer-sponsored health insurance coverage. These events allow you to stay covered for up to 18 months.
Qualifying Events For Spouses and Dependent Children
Relationship changes, such as divorce or legal separation, affect qualified beneficiaries, between insurance policy dependents and the covered employee. In these situations, you may qualify for COBRA coverage for up to 36 months.
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Short-Term Medical Plans start at $80*
with coverage starting tomorrow!
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877-262-7241
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*Eligibility for short term medical insurance is based on age and state availability.
