Q : My husband lost his job 6-7 months ago and at the time we did not sign up for COBRA. I have recently had a heart attack and we had no insurance and my doctor stated we could still sign up for COBRA and it would be covered. Is this true? A: COBRA election does have certain time limitations. You have only 60 days to elect COBRA. That is by the 60th day from when the written notice was sent to you or from when your health care coverage has been terminated, whichever event is later . Your employer has up to 45 days to get the letter to you in the mail stating your COBRA rights. If you miss the election period date you will lose your rights and will no longer qualify for continuation coverage.