Q: How long do I have to sign up for Cobra? I left my job Jan 07. I am needed insurance and do not know what/when I need to do something. 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. If you have lost your opportunity for insurance with your past employer and are looking for a short term medical policy you may qualify for an Alternative policy.
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