Can I Change COBRA Plans?
My employer offers 4 different health plans and I am currently on the best and most expensive plan. If I elect COBRA, can I decide to change plans? Go to one of the cheaper plans? Or am I locked in to the plan I currently have?
You May Change COBRA Plans Only During An Open Enrollment
The continuation of the same coverage is the same policy that you had the day before the COBRA qualifying event. When you elect COBRA you will continue the same policy. However, you will be able to change the health plan when your previous employer has open enrollment. You will need to contact the previous employer’s HR department or Benefits Manager to find out the date of open enrollment.
About COBRAinsurance.com
Endorsed by HealthCare.gov, COBRAinsurance.com is a resource for understanding the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) rules & regulations. We also offer affordable individual health plans for those between jobs when continuing with COBRA is too costly or not an available option.
COBRAinsurance.com has been continuously published since 1999. Learn more about our business and how we've been able to help over 4 million people find affordable health plans.
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