My family is on COBRA from my previous employer. My wife is starting a new job that includes health insurance. She has a contract that allows her or her employer to terminate the arrangement with 30 day notice. How long does she need to work before we would qualify for COBRA under the new health insurance plan.
COBRA is a federal law (not a separate insurance company) that requires employers with 20 or more employees to offer the same group health care coverage after you’ve voluntarily or involuntarily left your job. In order to qualify for COBRA coverage from your wife’s employer, she simply needs to be on their group health insurance before the last day of coverage.
Just to clarify though, being on her health insurance while she works there is your best option. On COBRA continuation, you pay 102% of the premium, whereas as an active employee the employer usually pays a large part of your premium.
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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.
