Can I Choose COBRA After Dropping Private Insurance?
Can COBRA coverage be reinstated if private insurance is dropped within the 60-day election period, and will it be retroactive?
COBRA coverage can be elected even after initially waiving it, as long as it is still eligible within the 60-day election period. However, COBRA regulations do not allow for duplicate coverage with a private insurance policy.
If private insurance is dropped and COBRA is elected, coverage will be retroactive, but only to the date of election, not the original loss of coverage date.
COBRA premium payments must be made on time, and coverage will continue under the same terms as the employer-sponsored group health plan.
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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.
