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Q: I believe that my cobra insurance has been terminated as of 1/1/15 but I would like to confirm that. I have been enrolled with my husband’s insurance and no longer require cobra services.

A: COBRA is not an insurance company.

COBRA is a federal law that requires employers with 20 or more employees to offer the continuation of the same group health care coverage after you’ve voluntarily or involuntarily left your job, or have had your work hours reduced.

Because COBRA is simply the continuation of the same coverage you had through a previous employer, you would need to contact the COBRA Administrator at your previous employer to confirm that your coverage is terminated. Typically, the COBRA Administrator is in the HR department.

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