American Rescue Plan Act of 2021’s COBRA Subsidy Ends September 31. What’s next?

ins for spouse if terminated employee chooses not to have Cobra?

ody Can a spouse receive COBRA if terminated employee didn’t need COBRA because he had health insurance from another company in place at time of termination and spouse hadn’t been added to that other plan?

A: Yes. Spouses of terminated employees of a qualified employer are eligible to receive COBRA continuation of coverage. Keep in mind though that with COBRA, the premiums can be up to 102% of the premium, meaning you pay the employee contribution, PLUS the employer’s contribution, PLUS a 2% administrative fee. It may be best to get on the new health plan.

COBRA continuation is very expensive. There are alternatives to COBRA continuation available. Click href=”https://cobrainsurance.com/ here for a quote, or call us at 1-877-279-7959 (8am-5pm CST) and we can help you find an alternative plan.

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Short-Term Health Insurance is popular and available in most states to cover gaps between major medical plans.

These plans also cover COVID-19 hospitalization. After deductibles and coinsurance, many plans will have $1 million in coverage.


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