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Can I Use COBRA More Than Once?

Can I use COBRA more than once?

COBRA continuation lasts for up to 18 months (some situations a dependent can continue for up to 36 months) is available each time your employer-sponsored insurance would end due to a COBRA qualifying event. The business you work for must have more than 20 employees working half of the business hours as required by the federal COBRA law.

Mini-COBRA Is Available In Some States

If you lost your employer’s group health plan, many states have a mini-COBRA law that would be available if your employer has 19 or fewer employees. Each time you have a qualifying event, you may use federal COBRA or state continuation laws.

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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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Temporary health insurance is a popular, affordable solution to cover gaps in coverage while you are between Major Medical plans.


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

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