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Can I Get COBRA If I Quit?

I’m interested in getting COBRA Insurance. How much is COBRA?

Yes, You Can Get COBRA Insurance After Job Termination

According to the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), companies with 20 or more employees are required to allow workers to keep their health insurance coverage if that coverage would end due to a qualifying event. This includes quitting your job, being laid off or getting fired.

The coverage is to be the same employer-sponsored group health plan the worker had previous to quitting their job.

Workplace Qualifying Events

There are three types of qualifying events in the workplace that would make you eligible for COBRA insurance, they are:

  • Voluntary Termination or Quit Your Job
  • Involuntary Termination, Layoff or Fired
  • Retirement

Gross Misconduct Does Not Qualify You For COBRA

In the event that your termination reason was due to gross misconduct, the employer does not have to offer insurance continuation.

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COBRA Eligibility

How Can I Get COBRA Between Jobs?

Your former employer has up 45 days to send your COBRA continuing coverage election paperwork. This packet of information will give you the cost of your COBRA plan, how to enroll and where to make your premium payments. The law requires your former employer to give you a 60 day open enrollment period to choose to continue your current employer health plan or waive COBRA coverage.

More details on COBRA and how it works.

How Long Does COBRA Health Insurance Last After You Quit?

You may remain on your former employer’s COBRA insurance plan for up to 18 months. Depending on your circumstances you or your qualified dependents may be eligible for up to 36 months of continuing coverage.

When Does Coverage Begin?

Your COBRA insurance will start immediately after making your first premium payment. Once you elect to continue the employer group health plan, your benefits will be retroactive to the date your coverage would otherwise have stopped. If you have out-of-pocket expenses between the time the coverage stopped and then started, you may be reimbursed by your carrier.

Common Third-Party Administrators

Your COBRA plan may be managed by a third-party administrator. Many employers work with the following:

If you are unsure who your plan administrator is, reach out to the human resources department of the company that provided the health insurance you had.

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*Eligibility for short term medical insurance is based on age and state availability.

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