1. Knowledge Base
  2. › 
  3. Eligibility For COBRA
  4. Job Termination / Quit / Layoff / Involuntary

Can I Get COBRA If I Quit My Job?

If I resign from my job voluntarily, will I qualify for COBRA health insurance?

Yes, You Can Get COBRA Insurance After You Quit Your Job

COBRA allows you to keep your employer-sponsored health insurance for up to 18 months if your coverage ends due to job loss, quitting or termination. Known as the Consolidated Omnibus Budget Reconciliation Act of 1985, this legislation applies to employers with 20 or more employees.

To be eligible for COBRA, you need to have been a covered employee and must have had insurance coverage at the time of your employment termination.

Getting Health Insurance After You Quit

If you’ve recently left your job, obtaining health insurance is a vital measure to keep you and your family safeguarded. One avenue to explore is COBRA (Consolidated Omnibus Budget Reconciliation Act) insurance. This option allows you to retroactively continue with the same health plan you had under your most recent employer.

How Do You Get COBRA After Losing Your Job?

You obtain COBRA from the employer that provided your most recent job-based health insurance. Here are the two steps for starting COBRA continuation of health insurance.

  1. 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.
  2. The law requires your former employer to give you a 60 day open enrollment period to choose to continue your current work health plan or waive COBRA coverage.

COBRA Alternative:
Save Up To 70%

Term Health Insurance
Covers An Insurance Gap
Until Your Next Work Health Plan Starts

Shop Plans
Get A Quote & Enroll Online
Or, Call Us
877-262-7241

people with accident medical insurance riding their bikes*Based on age and state availability

flexterm health insurance advertisement with doctor

#1 Choice For Temporary Medical Coverage

When Does COBRA Coverage Begin?

Your COBRA insurance will start immediatelyafter 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.

How Long Does COBRA Insurance Last After You Quit?

18 Months

Regardless if you quit, get fired, were laid off or retire you have the right to continue the employer’s group health insurance for up to 18 months. You will coordinate this benefit with the human resources department of the employer or their third-party administrator.

Depending on your circumstances you or your qualified dependents may be eligible for up to 36 months of continuing coverage.

QUICK CHECK
COBRA Eligibility

Was this answer helpful?

Share this article:

In Good Health? The Short-Term Option

Short-term health insurance may be used as an alternative to COBRA. The plan premiums are affordable and the co-pays are predictable as coverage is limited to new illnesses and injuries.

These plans renew every month and you may cancel at any time.

Find out if you qualify for Short Term health insurance by registering to quote in the marketplace.

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.

Are You Eligible For COBRA?

"check
Take Our Survey