COBRA – Changing Plans

Q: My employer offers 4 different health plans and I am currently on the best and most expensive plan. If I elect COBRA, can I decide to change plans,.i.e. go to one of the cheaper plans? Or am I locked in to the plan I currently have? A: COBRA is a continuation of the same coverage, same policy that you had the day before the qualifying event. When you elect COBRA you will continue the same policy. However, you will be able to change the health plan when your previous employer has open enrollment. You will need to contact the previous employer’s HR department or Benefits Manager to find out the date of open enrollment.

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