What Happens After 18 Months On COBRA?

What do I do when my COBRA runs out?

Since the Affordable Care Act, running out of COBRA continuation coverage is now a “qualifying life event,” which means that you now have a “special enrollment period” in which you may enroll in an insurance plan outside of open enrollment. This means that you can sign up for an insurance plan on the public or private health exchange. Or, if you have a new employer, you can sign up for their group health plan if they offer one, as long as you have met their waiting period to join their group health plan.

Contact Your Plan Administrator If You Have A Disability

In case a disability arises while on COBRA, an extension may be given. You’ll need to contact the plan administrator for more information.

Affordable Temporary Health Insurance

If you are fairly healthy and still want to remain insured, alternatives to COBRA insurance may be available based on where you live. Short-term health insurance is a popular option and available in most states. This can protect you from high medical costs of new injuries or new illnesses that unexpectedly occur while allowing you to use any licensed doctor. Coverage is available up to $1 million per person. For more information and pricing, you can call us at 1-877-262-7241 or complete a free quote online.

Related Knowledge Base Posts

Are You Eligible For COBRA?

Take Our Survey