COBRA Frequently Asked Questions

The COBRA Insurance Frequently Asked Questions and Knowledge Base provides comprehensive answers to common questions about COBRA coverage. Topics include eligibility, costs, and the enrollment process.

What is COBRA?

The Consolidated Omnibus Budget Reconciliation Act of 1985, also known as COBRA, requires most employers (with 20 or more employees) with group health plans to offer employees the opportunity to continue temporarily their group health care coverage under their employer’s plan if their coverage otherwise would cease due to termination, layoff, or other change in employment status (referred to as “qualifying events”).

History and Legal Guidelines

Information on the origins of COBRA insurance, its federal requirements, and the rules for health coverage continuation can be found on the History and Law Behind COBRA Health Insurance Continuation page.

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COBRA Eligibility

COBRA Plan Administrators

Responsible for enrollments and receiving COBRA premiums. This is someone in the human resources department or a third-party administrator the company uses.

Find your COBRA Administrator

COBRA Health Insurance Carriers

A requirement of the COBRA law is that the continuation of health insurance be the same medical plan, with the same insurance carrier that you had when an employer subsidized a portion of premium.

List of common group health insurance carriers

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